# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-25-007170
**Filing Date:** 2025-6
**Character Count:** 2803689
**Document Hash:** 1c074b7bbd946d8fe7fc81a0afecbeb1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-007170.hdr.sgml**: 20250604

**ACCESSION NUMBER**: 0001999371-25-007170

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

**PUBLIC DOCUMENT COUNT**: 92

**CONFORMED PERIOD OF REPORT**: 20250604

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

**FILED AS OF DATE**: 20250604

**DATE AS OF CHANGE**: 20250604

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 251024192

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>EFMT DEPOSITOR LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

<u>EFMT 2025-NQM2</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

| | |
|:---|:---|
| **Item 1.01** | **Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable

---

| | |
|:---|:---|
| **Item 1.02** | **Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable

---

| | |
|:---|:---|
| **Item 1.03** | **Notice of Termination of Duty to File Reports under Rule l5Ga-1** |

---

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

**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.

---

| | |
|:---|:---|
|  | **EFMT DEPOSITOR LLC** |
|  | By: ELLINGTON MANAGEMENT GROUP, L.L.C., as its manager |
| Date: June 4, 2025 | /s/ Robert A. Catarella |
|  | Name: Robert A. Catarella |
|  | Title: Managing Director |

---

EXHIBIT INDEX

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.01](ex99-01.htm) | &nbsp;&nbsp;AMC Diligence, LLC ("**AMC**") Narrative |
| &nbsp;&nbsp;[99.02](ex99-02.htm) | &nbsp;&nbsp;AMC Rating Agency Grades Report |
| &nbsp;&nbsp;[99.03](ex99-03.htm) | &nbsp;&nbsp;AMC Exception Grades Report |
| &nbsp;&nbsp;[99.04](ex99-04.htm) | &nbsp;&nbsp;AMC Valuation Summary Report |
| &nbsp;&nbsp;[99.05](ex99-05.htm) | &nbsp;&nbsp;AMC Supplemental Data Report |
| &nbsp;&nbsp;[99.06](ex99-06.htm) | &nbsp;&nbsp;AMC Business Purpose Report |
| &nbsp;&nbsp;[99.07](ex99-07.htm) | &nbsp;&nbsp;Clarifii LLC ("**Clarifii**") Narrative |
| &nbsp;&nbsp;[99.08](ex99-08.htm) | &nbsp;&nbsp;Clarifii ATR or QM Report |
| &nbsp;&nbsp;[99.09](ex99-09.htm) | &nbsp;&nbsp;Clarifii Business Purpose Report |
| &nbsp;&nbsp;[99.10](ex99-10.htm) | &nbsp;&nbsp;Clarifii Data Compare Report |
| &nbsp;&nbsp;[99.11](ex99-11.htm) | &nbsp;&nbsp;Clarifii RA Grades Summary Report |
| &nbsp;&nbsp;[99.12](ex99-12.htm) | &nbsp;&nbsp;Clarifii RA Grades Detail Report |
| &nbsp;&nbsp;[99.13](ex99-13.htm) | &nbsp;&nbsp;Clarifii Supplemental Data Report |
| &nbsp;&nbsp;[99.14](ex99-14.htm) | &nbsp;&nbsp;Clarifii Valuation Report |
| &nbsp;&nbsp;[99.15](ex99-15.htm) | &nbsp;&nbsp;Clayton Services LLC ("**Clayton**") Narrative |
| &nbsp;&nbsp;[99.16](ex99-16.htm) | &nbsp;&nbsp;Clayton Conditions Summary Report |
| &nbsp;&nbsp;[99.17](ex99-17.htm) | &nbsp;&nbsp;Clayton Conditions Detail Report |
| &nbsp;&nbsp;[99.18](ex99-18.htm) | &nbsp;&nbsp;Clayton Loan Grades Report |
| &nbsp;&nbsp;[99.19](ex99-19.htm) | &nbsp;&nbsp;Clayton Standard Upload Report |
| &nbsp;&nbsp;[99.20](ex99-20.htm) | &nbsp;&nbsp;Clayton Valuation Summary Report |
| &nbsp;&nbsp;[99.21](ex99-21.htm) | &nbsp;&nbsp;Clayton Rating Agency ATR QM Report |
| &nbsp;&nbsp;[99.22](ex99-22.htm) | &nbsp;&nbsp;Clayton Non ATR QM Report |
| &nbsp;&nbsp;[99.23](ex99-23.htm) | &nbsp;&nbsp;Clayton Loan Level Tape Report |
| &nbsp;&nbsp;[99.24](ex99-24.htm) | &nbsp;&nbsp;Consolidated Analytics, Inc ("**CA**") Narrative |
| &nbsp;&nbsp;[99.25](ex99-25.htm) | &nbsp;&nbsp;CA Exception Report |
| &nbsp;&nbsp;[99.26](ex99-26.htm) | &nbsp;&nbsp;CA MLPSA Extract Report |
| &nbsp;&nbsp;[99.27](ex99-27.htm) | &nbsp;&nbsp;CA Rating Agency Grades Report |
| &nbsp;&nbsp;[99.28](ex99-28.htm) | &nbsp;&nbsp;CA Valuations Summary Report |
| &nbsp;&nbsp;[99.29](ex99-29.htm) | &nbsp;&nbsp;CA Data Compare Report |
| &nbsp;&nbsp;[99.30](ex99-30.htm) | &nbsp;&nbsp;Evolve Mortgage Services ("**Evolve**") Narrative |
| &nbsp;&nbsp;[99.31](ex99-31.htm) | &nbsp;&nbsp;Evolve Rating Agency Grades Report |
| &nbsp;&nbsp;[99.32](ex99-32.htm) | &nbsp;&nbsp;Evolve Exception Detail Report |
| &nbsp;&nbsp;[99.33](ex99-33.htm) | &nbsp;&nbsp;Evolve Valuation Report |
| &nbsp;&nbsp;[99.34](ex99-34.htm) | &nbsp;&nbsp;Evolve Data Compare Report |
| &nbsp;&nbsp;[99.35](ex99-35.htm) | &nbsp;&nbsp;Evolve QM ATR Data Report |
| &nbsp;&nbsp;[99.36](ex99-36.htm) | &nbsp;&nbsp;Evolve Business Purpose Report |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.37](ex99-37.htm) | &nbsp;&nbsp;Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("**Incenter**") Narrative |
| &nbsp;&nbsp;[99.38](ex99-38.htm) | &nbsp;&nbsp;Incenter Review Summary Report |
| &nbsp;&nbsp;[99.39](ex99-39.htm) | &nbsp;&nbsp;Incenter Exception Report |
| &nbsp;&nbsp;[99.40](ex99-40.htm) | &nbsp;&nbsp;Incenter RA Grades Report |
| &nbsp;&nbsp;[99.41](ex99-41.htm) | &nbsp;&nbsp;Incenter Final Tape Compare Report |
| &nbsp;&nbsp;[99.42](ex99-42.htm) | &nbsp;&nbsp;Incenter Supplemental Data Report |
| &nbsp;&nbsp;[99.43](ex99-43.htm) | &nbsp;&nbsp;Incenter QM ATR Report |
| &nbsp;&nbsp;[99.44](ex99-44.htm) | &nbsp;&nbsp;Incenter Valuation Summary Report |
| &nbsp;&nbsp;[99.45](ex99-45.htm) | &nbsp;&nbsp;Opus Capital Markets Consultants, LLC ("**Opus**") Narrative |
| &nbsp;&nbsp;[99.46](ex99-46.htm) | &nbsp;&nbsp;Opus Standard Findings Detail Report |
| &nbsp;&nbsp;[99.47](ex99-47.htm) | &nbsp;&nbsp;Opus Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.48](ex99-48.htm) | &nbsp;&nbsp;Opus ATR or QM Report |
| &nbsp;&nbsp;[99.49](ex99-49.htm) | &nbsp;&nbsp;Opus Supplemental Data Report |
| &nbsp;&nbsp;[99.50](ex99-50.htm) | &nbsp;&nbsp;Opus Business Purpose Report |
| &nbsp;&nbsp;[99.51](ex99-51.htm) | &nbsp;&nbsp;Opus Valuation Report |
| &nbsp;&nbsp;[99.52](ex99-52.htm) | &nbsp;&nbsp;Opus Data Compare Report |
| &nbsp;&nbsp;[99.53](ex99-53.htm) | &nbsp;&nbsp;Selene Diligence LLC ("**Selene**") Narrative |
| &nbsp;&nbsp;[99.54](ex99-54.htm) | &nbsp;&nbsp;Selene Rating Agency Summary Report |
| &nbsp;&nbsp;[99.55](ex99-55.htm) | &nbsp;&nbsp;Selene Standard Findings Report |
| &nbsp;&nbsp;[99.56](ex99-56.htm) | &nbsp;&nbsp;Selene Valuation Report |
| &nbsp;&nbsp;[99.57](ex99-57.htm) | &nbsp;&nbsp;Selene Supplemental Data Report |
| &nbsp;&nbsp;[99.58](ex99-58.htm) | &nbsp;&nbsp;Selene Business Purpose Report |
| &nbsp;&nbsp;[99.59](ex99-59.htm) | &nbsp;&nbsp;Selene Data Compare Report |
| &nbsp;&nbsp;[99.60](ex99-60.htm) | &nbsp;&nbsp;Selene MLS Report |
| &nbsp;&nbsp;[99.61](ex99-61.htm) | &nbsp;&nbsp;Digital Risk, LLC ("**Digital Risk**") Narrative |
| &nbsp;&nbsp;[99.62](ex99-62.htm) | &nbsp;&nbsp;Digital Risk Findings Summary Report |
| &nbsp;&nbsp;[99.63](ex99-63.htm) | &nbsp;&nbsp;Digital Risk Findings Exception Report |
| &nbsp;&nbsp;[99.64](ex99-64.htm) | &nbsp;&nbsp;Digital Risk Rating Agency Report |
| &nbsp;&nbsp;[99.65](ex99-65.htm) | &nbsp;&nbsp;Digital Risk Valuation Report |
| &nbsp;&nbsp;[99.66](ex99-66.htm) | &nbsp;&nbsp;Digital Risk Standard Summary Report |
| &nbsp;&nbsp;[99.67](ex99-67.htm) | &nbsp;&nbsp;Digital Risk Standard Report |
| &nbsp;&nbsp;[99.68](ex99-68.htm) | &nbsp;&nbsp;Digital Risk Supplemental Report |
| &nbsp;&nbsp;[99.69](ex99-69.htm) | &nbsp;&nbsp;Digital Risk Non-QM Supplemental Report |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.01**

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted during January 2019 through May 2025 on mortgage loans with origination dates from January 2019 through March 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (12 loans) and the Business Purpose Scope (8 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 20 mortgage loans.

The final population of the Review covered 20 mortgage loans totaling an aggregate original principal balance of approximately $11.287 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate |  |

---

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

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![](ex9901_01.jpg)

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

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

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

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

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

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

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

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

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

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

2 \| Page

![](ex9901_01.jpg)

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

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) and ensured that the title conformed with the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing the provided Note, Mortgage/DOT, and Guaranty
Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining appraisal reports, BPO's, and appraisal
reviews to determine if the property type is consistent with underwritten property type and usage (such as evidence/an indication of either
owner or tenant occupancy) and comparing this information against other relevant information contained within applicable sections of the
loan file to evaluate consistency, accuracy, and adheres to the credit policy.

▪ Reviewing environmental reporting, Flood Certification,
and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.

▪ Reviewing credit reporting, VOR/VOM, Background Check(s),
and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final
Loan Approval worksheet.

▪ Reviewing HUD-1's, Title Search, Purchase Agreements,
existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as
adherence to credit policy requirements.

▪ Reviewing LOI/LOE(s) for presence of un-qualified statement
of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that
signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing Final Form 1003/Loan application to ensure
complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s)
is an address other than the subject property.

▪ Confirming, if applicable, business license(s) and P&L's
are present, valid, and adheres to credit policy requirements.

▪ Confirming, if applicable, second mortgage documents
are present, valid, align with approved terms amounts, and adhere to credit policy requirements.

▪ Reviewing final loan approval worksheets for accuracy,
completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation
contained in the review file.

▪ Reviewing the Certification of Business Purpose and
Certification of Non-Owner Occupancy and Indemnity for presence of a completed fields, and verifying that the hand written Primary Residence
address differs from the subject property address, and is signed/dated as required.

3 \| Page

![](ex9901_01.jpg)

▪ Verifying presence of a complete Certification of Non-Owner
Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement,
including the presence of either individual certifications or one certificate containing all required signatures.

▪ Comparing the Primary Residence address(es) listed for
consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

▪ Documenting any non-approved credit policy exceptions
and/or inconsistencies and reporting and/or marking such items for further dialogue.

▪ Reviewing and calculating that the DSCR and/or Property
DTI conforms with applicable guidelines.

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) |
| &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Environmental reports | &nbsp;&nbsp;Note |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Rent Roll\* |
| &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1 | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Certification(s) of Business purpose of loan | &nbsp;&nbsp;Flood certificates | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* |
| &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* | &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Identification / proof of residency status |  |

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**DATA COLLECTION**

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

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

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The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

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

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

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

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

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

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

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

**(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.

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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![](ex9901_01.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901_01.jpg)

**COMPLIANCE RESULTS SUMMARY**

Please note that eight (8) Business Purpose loans were not subjected to a compliance review and did not receive a compliance grade. Four (4) mortgage loan reviewed by AMC has a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

Twenty (20) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 85.00% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;85.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All twenty (20) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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![](ex9901_01.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**8** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 20 mortgage loans reviewed, 12 unique mortgage loans had 23 different tape discrepancies across 16 data fields (some mortgage loans had more than one data delta). The largest variances were found on Property Type and Doc Type.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |

---

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![](ex9901_01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;20 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**349** | &nbsp;&nbsp;**6.59%** | &nbsp;&nbsp;**20** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;17 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;$9228250.00 | &nbsp;&nbsp;81.76% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;3 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;$2058650.00 | &nbsp;&nbsp;18.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11286900.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11286900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11286900.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901_01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;35.00% | &nbsp;&nbsp;$3934500.00 | &nbsp;&nbsp;34.86% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;$568000.00 | &nbsp;&nbsp;5.03% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$5900650.00 | &nbsp;&nbsp;52.28% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;$883750.00 | &nbsp;&nbsp;7.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11286900.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11286900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11286900.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;9 | &nbsp;&nbsp;45.00% | &nbsp;&nbsp;$5355500.00 | &nbsp;&nbsp;47.45% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;$165750.00 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;5 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$2929500.00 | &nbsp;&nbsp;25.95% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$2506150.00 | &nbsp;&nbsp;22.20% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;$330000.00 | &nbsp;&nbsp;2.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11286900.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;12 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;$7145500.00 | &nbsp;&nbsp;63.31% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;8 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$4141400.00 | &nbsp;&nbsp;36.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11286900.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.02**

![](situs.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 5/20/2025 2:52:50 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **S&P** | **S&P** |
| xxx | CASDW180003777 | xxx |  |  | C CC | RC A | VA C |
| xxx | CASDW190004166 | xxx |  |  | A C | D C A | A C D B |
| xxx | 304367569 | xxx |  |  | A B | B A | A B |
| xxx | 304366470 | xxx |  |  | B | B A | A B |
| xxx | 22024080156 | xxx |  |  | A | A | A |
| xxx | 24120021150 | xxx |  |  | A C | C A | A C B |
| xxx | 24120020572 | xxx |  |  | C A | A | A C B |
| xxx | 24110020506 | xxx |  |  | A | A | A |
| xxx | 24120021116 | xxx |  |  | A | A | A |
| xxx | 25010021502 | xxx |  |  | B C | C A | A C |
| xxx | 25020022251 | xxx |  |  | A | A | A |
| xxx | 25020022484 | xxx |  |  | D C | C A | A D |
| xxx | 24110020301 | xxx |  |  | A | A | A |
| xxx | 24120020567 | xxx |  |  | A | A | A |
| xxx | 24120020980 | xxx |  |  | B | A | A B |
| xxx | 24110020006 | xxx |  |  | A | A | A |
| xxx | 24120020867 | xxx |  |  | C | A | A C |
| xxx | 25020022602 | xxx |  |  | C | A | A C |
| xxx | 25020022373 | xxx |  |  | A | A | A |
| xxx | 25020022214 | xxx |  |  | C | A | A C |

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## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.03**

![](situs.jpg)

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| **Exception Grades** |
| **Run Date - 5/20/2025 2:52:50 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **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** |
| xxx | CASDW180003777 | xxx |  | 10160610 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XXXXdisclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXXXX) | Calculating Cash to Close: Final Closing Disclosure provided on XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit |  |  |  | Reviewer Comment (2019-01-22): XXXX received a valid COC for fee change.<br>Seller Comment (2019-01-18): See response to related exception. | 01/22/2019 |  |  | 1 B A |  | xxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| xxx | CASDW180003777 | xxx |  | 10151877 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The policy addresses extended replacement cost; however, the dollar amount or percent of extended replacement cost for dwelling was not provided. |  |  |  | Reviewer Comment (2019-01-22): Dwelling protection was based on an estimate of the cost to rebuild, provided by insurer.<br>Seller Comment (2019-01-18): policy covers reimbursement extended limits | 01/22/2019 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxx | CASDW180003777 | xxx |  | 10160612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. (XXXX) | Discount point fee amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2019-01-22): XXXX received a valid COC for fee change.<br>Seller Comment (2019-01-18): See uploaded Disclosure Tracking Reasons (LE). | 01/22/2019 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | CASDW190004166 | xxx |  | 11537836 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | Title Commitment provided only referenced the T-42 Endorsement with no mention of T-42.1 |  |  |  | Reviewer Comment (2019-04-30): Received xxxx Home Equity Affidavit. | 04/30/2019 |  |  | 1 B A |  | xxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B A | Non QM | Non QM | No |
| xxx | CASDW190004166 | xxx |  | 11537906 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | The Fair Market Value disclosure was not signed and dated by a Lender Representative |  |  |  | Reviewer Comment (2019-04-30): Received with Lender signature.<br>Seller Comment (2019-04-30): See attached | 04/30/2019 |  |  | 1 C A D |  | xxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | Non QM | Non QM | Yes |
| xxx | CASDW190004166 | xxx |  | 11538059 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) | Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on xxxx/xx/xxxxxx, prior to three (3) business days from transaction date of xxxx/xx/xxxxxx | Transaction date recognized as xxxx/xx/xxxxxxs that is the date the Security Instrument was notarized. Per final Closing Disclosure signed xxxx/xx/xxxxxx xxxx/xx/xxxxxxthe disbursement date was xxx/xx/xxxx |  |  |  | Reviewer Comment (2019-04-30): Received updated closing documentation evidencing loan disbursed onxx/xxxxxxx.<br>Seller Comment (2019-04-29): Please see attached which indicates a disbursement date ofxx/xx | 04/30/2019 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A | Non QM | Non QM | Yes |
| xxx | CASDW190004166 | xxx |  | 11538067 |  | 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 xxxxx/xx/xxxxxx, prior to three (3) business days from transaction date of xxxxx/xx/xxxxxx. | Transaction date recognized as xxxxx/xx/xxxxxxs that is the date the Security Instrument was notarized. Per final Closing Disclosure signed xxxxx/xx/xxxxxx xxxxx/xx/xxxxxxthe disbursement date was xxxx/xx/xxxx |  |  |  | Reviewer Comment (2019-04-30): Received updated closing documentation evidencing loan disbursed onxx/xxxxxxx.<br>Seller Comment (2019-04-29): See related exception | 04/30/2019 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| xxx | CASDW190004166 | xxx |  | 11538906 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of {redacted} is in excess of the allowable maximum of {redacted} of the Original Principal Loan Amount. Points and Fees total {redacted} on an Original Principal Loan Amount of {redacted} vs. an allowable total of {redacted} (an overage of {redacted} or {redacted}. | Total fees = {redacted} + (redacted} = {redacted} |  |  |  | Reviewer Comment (2019-04-30): Received signed Discount Point Acknowledgment Disclosure.<br>Seller Comment (2019-04-30): Please see attached<br>Reviewer Comment (2019-04-30): Missing xxxx Discount Point Acknowledgment, axx/xxxxocumentation (Rate Sheet or breakdown from Lock Desk) of un-discounted rate in order to properly test bona-fide discount point.<br>Seller Comment (2019-04-29): It appears xxxx is calculating discount points in the calculation. | 04/30/2019 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B | Non QM | Non QM | Yes |
| xxx | CASDW190004166 | xxx |  | 11548383 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Texas Constitution Section 50(a)(6): Unable to determine if loan was closed an an authorized location due to missing documentation. |  |  |  |  | Reviewer Comment (2019-04-30): Received xxxx Home Equity Affidavit.<br>Seller Comment (2019-04-29): Please see attached | 04/30/2019 |  |  | 1 B A |  | xxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A | Non QM | Non QM | Yes |
| xxx | CASDW190004166 | xxx |  | 11648935 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Disbursement Date | Closing Information section of CD dated xxxxx/xx/xxxxxx reflects inaccurate Disbursement Date. | Received updated closing documentation evidencing loan disbursed onxxxxx/xx/xxxxxx. However, Final CD reflects the Disbursement Date asxxxxx/xx/xxxxxx. |  |  |  | Reviewer Comment (2019-04-30): Lender acknowledges findings. EV2 Rating.<br>Seller Comment (2019-04-30): Lender accepts EV rating |  |  | 04/30/2019 | 2 B |  | xxx | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure D B A | Non QM | Non QM | Yes |
| xxx | 304367569 | xxx |  | 32033840 |  | Compliance | Compliance | Federal Compliance | GSE | XXXX - XXXX% Points and Fees | XXXX XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the XXXX Total Loan Amount. Points and Fees total $XXXX on a XXXX Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or XXXX%). | Points and Fees total $XXXX vs. an investor allowable total of $XXXX for an overage of $XXXX |  |  |  |  |  |  |  | 2 B |  | xxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| xxx | 304367569 | xxx |  | 32033845 |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-08-14): Sufficient Cure Provided At Closing |  | 08/14/2024 |  | 1 A |  | xxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 304367569 | xxx |  | 32033844 |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-08-14): Sufficient Cure Provided At Closing |  | 08/14/2024 |  | 1 A |  | xxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 304367569 | xxx |  | 32033843 |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-08-14): Sufficient Cure Provided At Closing |  | 08/14/2024 |  | 1 A |  | xxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 304366470 | xxx |  | 32065161 |  | Compliance | Compliance | Federal Compliance | GSE | XXXX - XXXX% Points and Fees | XXXX XXXX% Points and Fees Test. Points and Fees on subject loan of XXXX% is in excess of the investor allowable maximum of XXXX% of the XXXX Total Loan Amount. Points and Fees total $XXXX on a XXXX Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or XXXX%). | Informational Level XXXX finding only. |  |  |  |  |  |  |  | 2 B |  | xxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| xxx | 304366470 | xxx |  | 32065164 |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  | Reviewer Comment (2024-07-26): Sufficient Cure Provided At Closing |  | 07/26/2024 |  | 1 A |  | xxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxx | 304366470 | xxx |  | 32065166 |  | 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 Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file and Final Title is not yet in file. |  |  |  |  |  |  |  | 2 B |  | xxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxx | 24120021150 | xxx |  | 33483444 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year XXXX Overdisclosed - October XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year XXXX of XXXX on Final Closing Disclosure provided on XXXX are overdisclosed. | Tax, Insurance and Flood Insurance are escrowed as per Final Closing disclosure, Non escrowed property cost is not matching with Final CD. |  |  |  | Reviewer Comment (2025-01-17): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-01-16): PCCD and LOX<br>Reviewer Comment (2025-01-16): SitusAMC received rebuttal comment. However, please see doc ID DXXXX Final CD dated XXXX page XXXX disclosed Non-Escrow Property costs over year XXXX in the amount of $XXXX. However, Tax and insurance was escrowed and there seems to be no HOA amount in the loan file. Provide corrected PCCD with LOX to remove the non-escrow amount on page XXXX of CD to reevaluate and re-baseline this exception.<br>Buyer Comment (2025-01-14): see copy of the FInal CD and IEAD where on the final do you see the $XXXX and not sure what exactly do you want. |  | 01/17/2025 |  | 2 C B |  | xxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxx | 24120020572 | xxx |  | 33483450 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing New Loan information on XXXX, closing statement shows Mtg on Credit Report paid off - Please provide Statement and Insurance |  |  |  | Reviewer Comment (2025-01-30): HUD1 from sale provided<br>Buyer Comment (2025-01-28): hud from sale of property | 01/30/2025 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxx | 24120020572 | xxx |  | 33483447 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XXXX | SitusAMC | Reviewer Comment (2025-01-28): Clear PDI provided. Grade B applied due to no end date declared yet.<br>Buyer Comment (2025-01-28): INSPECTION |  |  | 01/28/2025 | 2 C B |  | xxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxx | 24120020572 | xxx |  | 33483449 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Appraisal provided is XXXX which is XXXX prior to note date. Guidelines require appraisal within XXXX days of Note Date. |  |  |  | Reviewer Comment (2025-01-30): Received Recert of Value Effective date XXXX<br>Buyer Comment (2025-01-29): Recert of Value<br>Reviewer Comment (2025-01-29): A 442/completion report is evidence of construction/renovation status and not a recertification of value. Recerts are separate documents and labeled as such on the document.<br>Buyer Comment (2025-01-28): 442 provided in file for recert of value | 01/30/2025 |  |  | 1 C A |  | xxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxx | 25010021502 | xxx |  | 33483461 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No Cure provided |  |  |  | Reviewer Comment (2025-03-12): SitusAMC Received Valid COC dated XXXX.<br>Buyer Comment (2025-03-12): Please see attached VCOC for increased Broker fee | 03/12/2025 |  |  | 1 C A |  | xxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes |
| xxx | 25010021502 | xxx |  | 33483463 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title coverage is less than the loan amount. Provide a current copy of preliminary, commitment or final title. |  |  |  | Reviewer Comment (2025-03-12): Received<br>Buyer Comment (2025-03-12): See attached title supplement | 03/12/2025 |  |  | 1 B A |  | xxx | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| xxx | 25020022484 | xxx |  | 33483473 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Ability to Repay failure is due to the missing credit report. |  |  |  | Reviewer Comment (2025-04-08): Received Credit report | 04/08/2025 |  |  | 1 A |  | xxx | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 25020022484 | xxx |  | 33483475 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-08): Received<br>Buyer Comment (2025-04-07): See attached Joint Credit report | 04/08/2025 |  |  | 1 D A |  | xxx | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 25020022484 | xxx |  | 33483474 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Credit Report is missing |  |  |  | Reviewer Comment (2025-04-08): Received<br>Buyer Comment (2025-04-07): See trailing docs for Joint credit report. | 04/08/2025 |  |  | 1 C A |  | xxx | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 25020022484 | xxx |  | 33483472 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank XXXX): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report was not provided. |  |  |  | Reviewer Comment (2025-04-08): Received Credit report<br>Buyer Comment (2025-04-07): See trailing docs for Joint credit report. | 04/08/2025 |  |  | 1 C A |  | xxx | Primary | Purchase | D A C | Non QM | Non QM | No |
| xxx | 25020022484 | xxx |  | 33483471 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure is due to the missing credit report. |  |  |  | Reviewer Comment (2025-04-08): Received Credit report<br>Buyer Comment (2025-04-07): See trailing docs for Joint credit report. | 04/08/2025 |  |  | 1 B A C |  | xxx | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
| xxx | 25020022484 | xxx |  | 33483470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Fee tolerance violation for the Title - Service Charges. The fee is disclosed as an "Other" title fee on the final Loan Estimate and Closing Disclosure. There is no change of circumstance for this fee in file. |  |  |  | Reviewer Comment (2025-04-08): SitusAMC received lender attestation confirming title fees in section B of the XXXX LE was error and that lender allowed borrower to shop for all title fees<br>Buyer Comment (2025-04-08): Please see trailing documents for lender attestation.<br>Reviewer Comment (2025-04-08): Provide a written and signed Lender Attestation that the Title-Escrow, Title-Other, Title-e-Recording and Title-Courier fee disclosed in Section B on the XXXX LE that the placement in Section B was an error and confirm that the borrower was in fact permitted to shop for all title services as reflect in Section C of the LE as the Title-lender title ins & Title-Title Endorsement and as in Section C of Final CD. Fee can then be tested as shoppable and no tolerance testing.<br>Buyer Comment (2025-04-08): This is merely a clerical error. If you look back at all the other LE from the inception of the loan until the LE dated XXXX all the title fees were in section C. The following CD even shows all the fees correctly place in section C.<br>Reviewer Comment (2025-04-08): SitusAMC received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Services charges fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-04-07): These are all borrowers chosen provider fees and not subject to any tolerance. | 04/08/2025 |  |  | 1 C A |  | xxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 25020022484 | xxx |  | 33483469 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Fee tolerance violation caused by the Title - Recording Service Fee is due to the fee not being disclosed until the final Loan Estimate. The fee then increased on the initial Closing Disclosure with no cure in file or valid change of circumstance. |  |  |  | Reviewer Comment (2025-04-08): SitusAMC received lender attestation confirming title fees in section B of the XXXX LE was error and that lender allowed borrower to shop for all title fees<br>Buyer Comment (2025-04-08): Please see trailing documents for lender attestation.<br>Reviewer Comment (2025-04-08): Provide a written and signed Lender Attestation that the Title-Escrow, Title-Other, Title-e-Recording and Title-Courier fee disclosed in Section B on the XXXX LE that the placement in Section B was an error and confirm that the borrower was in fact permitted to shop for all title services as reflect in Section C of the LE as the Title-lender title ins & Title-Title Endorsement and as in Section C of Final CD. Fee can then be tested as shoppable and no tolerance testing.<br>Buyer Comment (2025-04-08): This is merely a clerical error. If you look back at all the other LE from the inception of the loan until the LE dated XXXX all the title fees were in section C. The following CD even shows all the fees correctly place in section C.<br>Reviewer Comment (2025-04-08): SitusAMC received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Recording service fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-04-07): These are all borrowers chosen provider fees and not subject to any tolerance. | 04/08/2025 |  |  | 1 C A |  | xxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 25020022484 | xxx |  | 33483468 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Fee tolerance violation is due to the disclosure of the seller paid part of the fee on the buyer's final Closing Disclosure, causing the fee amount to increase. There is no change of circumstance for the disclosure of the seller's section of the fee and there is no cure in file. |  |  |  | Reviewer Comment (2025-04-08): SitusAMC received lender attestation confirming title fees in section B of the XXXX LE was error and that lender allowed borrower to shop for all title fees<br>Buyer Comment (2025-04-08): Please see trailing documents for lender attestation.<br>Reviewer Comment (2025-04-08): Provide a written and signed Lender Attestation that the Title-Escrow, Title-Other, Title-e-Recording and Title-Courier fee disclosed in Section B on the XXXX LE that the placement in Section B was an error and confirm that the borrower was in fact permitted to shop for all title services as reflect in Section C of the LE as the Title-lender title ins & Title-Title Endorsement and as in Section C of Final CD. Fee can then be tested as shoppable and no tolerance testing.<br>Buyer Comment (2025-04-08): This is merely a clerical error. If you look back at all the other LE from the inception of the loan until the LE dated XXXX all the title fees were in section C. The following CD even shows all the fees correctly place in section C.<br>Reviewer Comment (2025-04-08): SitusAMC received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Courier/Express fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-04-07): These are all borrowers chosen provider fees and not subject to any tolerance. | 04/08/2025 |  |  | 1 C A |  | xxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 25020022484 | xxx |  | 33483467 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Fee tolerance violation is due to the disclosure of the seller paid part of the fee on the buyer's final Closing Disclosure, causing the fee amount to increase. There is no change of circumstance for the disclosure of the seller's section of the fee and there is no cure in file. |  |  |  | Reviewer Comment (2025-04-08): SitusAMC received lender attestation confirming title fees in section B of the XXXX LE was error and that lender allowed borrower to shop for all title fees<br>Buyer Comment (2025-04-08): Please see attached Lender attestation.<br>Reviewer Comment (2025-04-08): Provide a written and signed Lender Attestation that the Title-Escrow, Title-Other, Title-e-Recording and Title-Courier fee disclosed in Section B on the XXXX LE that the placement in Section B was an error and confirm that the borrower was in fact permitted to shop for all title services as reflect in Section C of the LE as the Title-lender title ins & Title-Title Endorsement and as in Section C of Final CD. Fee can then be tested as shoppable and no tolerance testing.<br>Buyer Comment (2025-04-08): This is merely a clerical error. If you look back at all the other LE from the inception of the loan until the LE dated XXXX all the title fees were in section C. The following CD even shows all the fees correctly place in section C.<br>Reviewer Comment (2025-04-08): SitusAMC received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Settlement/Closing fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-04-07): These are all borrowers chosen provider fees and not subject to any tolerance. | 04/08/2025 |  |  | 1 C A |  | xxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 24120020980 | xxx |  | 33483483 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Lender requested to increase the market rent disclosed by XXXX% so the overall DSCR is over XXXX. Lender guidelines require XXXX months of rent receipts for the active leases to use XXXX% of the market rent or in-place lease amounts when allowed. Rent receipt was not provided for either unit of the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-24): Lender exception approval in file |  |  | 01/24/2025 | 2 B |  | xxx | Investment | Purchase | B A |  | N/A | No |
| xxx | 24120020980 | xxx |  | 33483484 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the provided appraisal transfer letter which was signed by a member of the sales team. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX and XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-24): Lender exception approval in file |  |  | 01/24/2025 | 2 B |  | xxx | Investment | Purchase | B A |  | N/A | No |
| xxx | 24120020867 | xxx |  | 33483485 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Additional assets must be provided or evidence borrower paid the full appraisal fee prior to closing. The provided paid invoice for appraisal services only show a paid amount of $XXXX out of the total $XXXX due. |  |  |  | Reviewer Comment (2025-03-17): Received paid invoice<br>Buyer Comment (2025-03-17): Appraisal invoice - | 03/17/2025 |  |  | 1 C A |  | xxx | Investment | Purchase | C A |  | N/A | No |
| xxx | 25020022602 | xxx |  | 33483487 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage short $XXXX |  |  |  | Reviewer Comment (2025-04-03): Received letter from Insurance provider stating XXXX% replacement cost<br>Buyer Comment (2025-04-01): Please see the attached Letter in regard to the RCE. | 04/03/2025 |  |  | 1 C A |  | xxx | Investment | Purchase | C A |  | N/A | No |
| xxx | 25020022602 | xxx |  | 33483488 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing XXXX month bank statement for accounts ending in XXXX and XXXX |  |  |  | Reviewer Comment (2025-04-07): Received additional bank statement for XXXX<br>Buyer Comment (2025-04-03): Please see additional statements for acct XXXX, so we are able to use the funds to resolve reserves issue. Thanks!<br>Reviewer Comment (2025-04-03): Funds to close Per HUD1: $XXXX + $XXXX Earnest Money + $XXXX paid outside of closing appraisal (Need the paid receipt to add to Asset Section to give borrower credit for it. Total Funds required for closing $XXXX<br> Assets: I agree we have $XXXX - This includes the credit from the $XXXX Earnest Money deposit.<br> The difference of Assets $XXXX minus $XXXX = $XXXX.<br> PITIA = $XXXX X XXXX months = $XXXX<br> Short for reserves $XXXX - if I get the Appraisal paid receipt for $XXXX showing paid prior to the most recent ending bank statement, I will still be short $XXXX.<br>Buyer Comment (2025-04-02): Borrower has enough funds for reserves if you don't use the accounts for XXXX and XXXX. Borrower needs (XXXX). Per Final CD Cash to Close is (XXXX). Your calculated assets without those accounts is (XXXX,XXXX). XXXX - XXXX = XXXX. Please review and advise if you agree with these figures to clear this condition. Thank you! | 04/07/2025 |  |  | 1 C A |  | xxx | Investment | Purchase | C A |  | N/A | No |
| xxx | 25020022602 | xxx |  | 33483489 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-04-03): Received<br>Buyer Comment (2025-04-01): I'm not sure of the specific item being requested, but I believe it's the XXXX underwriting approval. Please see attached and advise if it's not what you are looking for. | 04/03/2025 |  |  | 1 C A |  | xxx | Investment | Purchase | C A |  | N/A | No |
| xxx | 25020022602 | xxx |  | 33483490 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Rate Lock, required to verify Loan Program. |  |  |  | Reviewer Comment (2025-04-03): Received<br>Buyer Comment (2025-04-01): Please see lock confirmation. | 04/03/2025 |  |  | 1 C A |  | xxx | Investment | Purchase | C A |  | N/A | No |
| xxx | 25020022214 | xxx |  | 33483493 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance is required and there is no evidence of this insurance in the file. |  |  |  | Reviewer Comment (2025-04-08): Received confirmation from Insurance provider that policy covers XXXX month<br>Buyer Comment (2025-04-07): Email from insurance agent confirming up to XXXX months of rent loss insurance is included. | 04/08/2025 |  |  | 1 C A |  | xxx | Investment | Purchase | C A |  | N/A | No |

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## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.04**

![](situs.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 5/20/2025 2:52:50 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| xxx | CASDW180003777 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | CASDW190004166 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 304367569 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxx | 304366470 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| xxx | 22024080156 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 24120021150 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| xxx | 24120020572 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 24110020506 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| xxx | 24120021116 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| xxx | 25010021502 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| xxx | 25020022251 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| xxx | 25020022484 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| xxx | 24110020301 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| xxx | 24120020567 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 24120020980 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 24110020006 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxx | 24120020867 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 25020022602 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| xxx | 25020022373 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxx | 25020022214 | xxx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.05**

![](situs.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 5/20/2025 2:52:50 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** |
| xxx | CASDW180003777 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 81.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No | xxx | $0.00 | $0.00 |
| xxx | CASDW190004166 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Personal - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 | 24 |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No | xxx | $0.00 | $0.00 |
| xxx | 304367569 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | 1 |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 24 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No | xxx | $0.00 | $0.00 |
| xxx | 304366470 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  | xxx | xxx |  | xxx | xxx | 4.6 |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 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 | xxx |  | No | No | xxx | $0.00 | $0.00 |
| xxx | 22024080156 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | No | No | xxx | $0.00 | $0.00 |
| xxx | 24120021150 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | 3.1 |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 24 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | No | xxx | $0.00 | $0.00 |
| xxx | 24120020572 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  | No | No | xxx | $0.00 | $0.00 |
| xxx | 24110020506 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | 2.8 |  |  |  | No | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 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 | xxx |  | No | No | xxx | $0.00 | $0.00 |
| xxx | 24120021116 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 25.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | 1.7 |  |  |  | Yes | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  | 240 | xxx | xxx | xxx | 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 | xxx |  | No | No | xxx | $432409.35 | $0.00 |
| xxx | 25010021502 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | 3 |  |  |  | No | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | Yes | xxx | $28036.10 | $0.00 |
| xxx | 25020022251 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | 3.4 |  |  |  | No | No | xxx | 3 |  | 0 | 0 | 6 | 0 |  |  | xxx | No |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | xxx |  |  | No | xxx | $0.00 | $0.00 |
| xxx | 25020022484 | xxx |  | xxx |  |  |  | Yes | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx |  |  | xxx | xxx |  | xxx | xxx | 4.2 |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No |  |  |  |  | Other |  |  |  |  | xxx | xxx | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  | xxx |  | Yes | No | xxx | $0.00 | $0.00 |
| xxx | 24110020301 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | 4.4 |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 24120020567 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 24120020980 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  | 240 | xxx | xxx | xxx | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 24110020006 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | 1.3 |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 24120020867 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 25020022602 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx | 1.6 |  |  |  | Yes | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 25020022373 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | 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 | xxx |  |  |  | xxx | $0.00 | $0.00 |
| xxx | 25020022214 | xxx |  | xxx |  |  |  | No | No | xxx | xxx |  | xxx | xxx | xxx | xxx | No | xxx | xxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | Yes |  | xxx | xxx |  | xxx | xxx |  |  |  |  | N/A | No | xxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxx | No | xxx | xxx |  |  |  |  |  |  |  | xxx | xxx | xxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  | xxx | $0.00 | $0.00 |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.06**

![](situs.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 5/20/2025 2:52:51 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| xxx | 24110020301 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | No |  |  |  | Long Term |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor |  | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 24120020567 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Multiple Sources | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | No |  |  |  | Long Term |  | xxx | Yes | xxx | xxx | 12 | Long Term | xxx | xxx | No |  |  |  | Long Term |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No |  |  | Experienced Investor |  |  |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | xxx | xxx |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 3 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 24120020980 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Rent on Existing Lease | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | 11 | Long Term | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor |  | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | FICO II | xxx | Beacon 5.0 | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 24110020006 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | No |  |  |  | Long Term |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | First-Time Investor |  | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 24120020867 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | No |  |  |  | Long Term |  | xxx | No |  |  |  | Long Term |  | x |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 3-Stated/Partially Verified | No | xxx | xxx | No | No |  | Experienced Investor |  | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 8 | US Citizen |  |  | Level 3-Stated/Partially Verified | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 25020022602 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | No |  |  |  | Long Term |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor |  | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 25020022373 | xxx |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | Yes | xxx | xxx | xxx | Long Term | xxx | xxx | Yes | xxx | xxx | 12 | Long Term | xxx | x |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor | xxx | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 25020022214 | xxx |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | xxx | Third Party Rental Source | xxx |  | 0.000000 | xxx |  |  | xxx | xxx | xxx |  |  | No |  |  |  | Long Term |  | xxx | No |  |  |  | Long Term |  | x |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | xxx | xxx | Level 4-Stated/Verified as defined | No | xxx | xxx | No | No |  | Experienced Investor |  | US Citizen |  | xxx |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | xxx | xxx | Fair Isaac (VER. 2) | xxx | FICO Classic V5 Facta | xxx | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | xxx | xxx |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2025-NQM2**

**By Clarifii LLC on May 20, 2025**

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 1

![](ex9901001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 28 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2025-NQM2 transaction. The Loans referenced in this narrative report were reviewed between 08/2024 to 05/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$1571750.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;15 | &nbsp;&nbsp;53.57% | &nbsp;&nbsp;$4696500.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;3 | &nbsp;&nbsp;10.71% | &nbsp;&nbsp;$785000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;6 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$5233575.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12286825.00** |

---

The Review consisted of a population of 28 Loans, with an aggregate principal balance of $12,286,825.00.

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

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

**LOAN SAMPLING** 

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

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 2

![](ex9901001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY** 

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |

---

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 3

![](ex9901001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |

---

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---

| |
|:---|
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

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– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

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– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

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**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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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. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)** 

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

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

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

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

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

**VALUATION REVIEW** 

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES** 

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

**Valuation Reconciliation Process:**

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

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

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

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![](ex9901001.jpg)

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

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![](ex9901001.jpg)

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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![](ex9901001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;8 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$2411250.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;20 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$9875575.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12286825.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;9 | &nbsp;&nbsp;32.14% | &nbsp;&nbsp;$7700575.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;$825000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;18 | &nbsp;&nbsp;64.29% | &nbsp;&nbsp;$3761250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12286825.00** |

---

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![](ex9901001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;22 | &nbsp;&nbsp;78.57% | &nbsp;&nbsp;$8787875.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$3498950.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12286825.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12286825.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12286825.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12286825.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12286825.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;22 | &nbsp;&nbsp;68.18% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |

---

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![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;22 | &nbsp;&nbsp;86.36% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 20

![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;22 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;11 | &nbsp;&nbsp;22 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |

---

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 21

![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 22

![](ex9901001.jpg)

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2024 Clarifii LLC. All rights reserved.

EFMT 2025-NQM2 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 1923662 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8865.88 | 9.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31844.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 1923658 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 57634.63 | 7.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43248.88 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 1923652 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13524 | 8.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33909.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 1923642 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20574 | 7.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17784.72 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 1923657 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 13118 | 8.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8494.29 | Yes | Employed |  | Yes |  | No |  |
| XXXX | 1923654 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18569 | 7.53 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 10705.52 | Yes | Retired |  | No |  | No |  |
| XXXX | 1985135 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8880.92 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 1985137 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 193948.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 2009691 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009689 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009688 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009686 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009682 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009683 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009687 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009690 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009685 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009684 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009694 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009695 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009696 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009697 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009698 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009699 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009700 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009701 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2009692 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 7.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27865.96 | Yes | Employed |  | No |  | No |  |
| XXXX | 2009693 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.776 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 22679.93 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2009691 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1475 | Appraisal - 1007 |  | N/A |  |  | 1475 | Appraisal - 1007 | No | 68.36 | 1.46 | 1.463 | 1008.27 | 1354 | 08-29-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1475 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 29.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009689 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1475 | Appraisal - 1007 |  | N/A |  |  | 1475 | Appraisal - 1007 | No | 68.36 | 1.46 | 1.463 | 1008.27 | 1354 | 08-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1475 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 47.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009688 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1475 | Appraisal - 1007 |  | N/A |  |  | 1475 | Appraisal - 1007 | No | 68.31 | 1.46 | 1.464 | 1007.61 | 1354 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1475 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 49.58 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009686 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1475 | Appraisal - 1007 |  | N/A |  |  | 1475 | Appraisal - 1007 | No | 65.01 | 1.53 | 1.538 | 958.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1475 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 41.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009682 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1475 | Appraisal - 1007 |  | N/A |  |  | 1475 | Appraisal - 1007 | No | 69.26 | 1.444 | 1.444 | 1021.64 | 1354 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1475 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 49.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009683 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1525 | Appraisal - 1007 |  | N/A |  |  | 1525 | Appraisal - 1007 | No | 63.31 | 1.57 | 1.58 | 965.48 | 1354 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1525 |  |  |  |  |  |  |  | No | 3.1 | 6 | 1 | N/A | 45.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009687 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1525 | Appraisal - 1007 |  | N/A |  |  | 1525 | Appraisal - 1007 | No | 63.45 | 1.576 | 1.576 | 967.56 | 1354 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1525 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 25.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009690 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1110 | 1110 | Appraisal - 1007 |  | N/A |  |  | 1110 | Actual In Place Rent | No | 91.03 | 1.31 | 1.099 | 1010.44 | 1110 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1110 |  |  |  |  |  |  |  | No | 3.1 | 5 | 1 | N/A | 47.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009685 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1354 | 1525 | Appraisal - 1007 |  | N/A |  |  | 1525 | Appraisal - 1007 | No | 63.31 | 1.57 | 1.58 | 965.47 | 1354 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1525 |  |  |  |  |  |  |  | No | 3.1 | 7 | 1 | N/A | 44.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009684 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1510 | 1525 | Appraisal - 1007 |  | N/A |  |  | 1525 | Appraisal - 1007 | No | 67.65 | 1.47 | 1.478 | 1031.67 | 1510 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1525 |  |  |  |  |  |  |  | No | 3.1 | 7 | 1 | N/A | 38.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009694 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2600 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 82.43 | 1.21 | 1.213 | 2143.19 | 2600 | 10-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2600 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 116.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009695 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2875 | Appraisal - 1007 |  | N/A |  |  | 2875 | Appraisal - 1007 | No | 78.89 | 1.27 | 1.268 | 2268.23 | 2800 | 08-15-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2875 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 116.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009696 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 85.24 | 1.17 | 1.173 | 3068.69 | 3600 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3600 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 116.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009697 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3300 | 3400 | Appraisal - 1007 |  | N/A |  |  | 3400 | Appraisal - 1007 | No | 91.39 | 1.09 | 1.094 | 3107.41 | 3300 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3400 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 118.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009698 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 87.54 | 1.14 | 1.142 | 3326.63 | 3600 | 01-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3800 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 108.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009699 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2650 | 2575 | Appraisal - 1007 |  | N/A |  |  | 2575 | Appraisal - 1007 | No | 81.78 | 1.22 | 1.223 | 2105.9 | 2650 | 10-14-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2575 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 120.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009700 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 75.55 | 1.32 | 1.324 | 2115.51 | 2800 | 09-30-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2800 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 115.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2009701 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 73.64 | 1.36 | 1.358 | 2061.99 | 2800 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2800 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 115.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 1923662 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.33 | 10.20 | Audit calc lower income due to missing bank statement. |
| XXXX | 1923652 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 688 | 680 | Per Credit report. |
| XXXX | 1923642 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 1985135 | XXXX | XXXX | Borrower 2 Years in Current Home | the1003Page | 0.83 | 10 | Per 1003. |
| XXXX | 1985135 | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | Per 1008. |
| XXXX | 1985137 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 2009691 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 2009689 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | 2009686 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | 2009682 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Final 1003 |
| XXXX | 2009682 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 2009682 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 2009682 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 5 | 1 | Per 1003 |
| XXXX | 2009683 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 2009687 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | DSCR per 1008. |
| XXXX | 2009687 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 10 | 1 | Per 1003. |
| XXXX | 2009685 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 2009685 | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | no other mortgage - subject loan amount |
| XXXX | 2009694 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Lenders approval |
| XXXX | 2009694 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | per 1003 |
| XXXX | 2009694 | XXXX | XXXX | Prepayment Penalty Flag | notePage | XXXX | true |  |
| XXXX | 2009695 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per lenders approval |
| XXXX | 2009695 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 5.41 | 65 | Per 1003 |
| XXXX | 2009695 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | per 1003 |
| XXXX | 2009696 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Loan program |
| XXXX | 2009696 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | Per Application |
| XXXX | 2009697 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Matches lenders Approval |
| XXXX | 2009697 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | Per 1003 |
| XXXX | 2009698 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Investment Cashout |
| XXXX | 2009698 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 5.42 | 65 | per 1003 |
| XXXX | 2009698 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | Per 1003 |
| XXXX | 2009699 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Application |
| XXXX | 2009699 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | Per Application |
| XXXX | 2009700 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Lenders Approval |
| XXXX | 2009700 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | Per Application /Credit Report |
| XXXX | 2009701 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| XXXX | 2009701 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 5.42 | 65 | per 1003 |
| XXXX | 2009701 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 18 | 1 | Per Credit |
| XXXX | 2009692 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 2009692 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | per 1003 |
| XXXX | 2009693 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | XXXX | XXXX | Property is refinance. |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.11**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 1923662 | XXXX | XXXX C A B |
| XXXX | 1923658 | XXXX | XXXX D A C |
| XXXX | 1923652 | XXXX | XXXX B C A |
| XXXX | 1923642 | XXXX | XXXX D A |
| XXXX | 1923657 | XXXX | XXXX D A |
| XXXX | 1923654 | XXXX | XXXX A C |
| XXXX | 1985135 | XXXX | XXXX B A |
| XXXX | 1985137 | XXXX | XXXX C A B |
| XXXX | 2009691 | XXXX | XXXX D A B |
| XXXX | 2009689 | XXXX | XXXX C A B |
| XXXX | 2009688 | XXXX | XXXX D A B |
| XXXX | 2009686 | XXXX | XXXX C A B |
| XXXX | 2009682 | XXXX | XXXX C A B |
| XXXX | 2009683 | XXXX | XXXX D A B |
| XXXX | 2009687 | XXXX | XXXX C A B |
| XXXX | 2009690 | XXXX | XXXX C A B |
| XXXX | 2009685 | XXXX | XXXX C A B |
| XXXX | 2009684 | XXXX | XXXX C A B |
| XXXX | 2009694 | XXXX | XXXX C A B |
| XXXX | 2009695 | XXXX | XXXX C A D B |
| XXXX | 2009696 | XXXX | XXXX C A D B |
| XXXX | 2009697 | XXXX | XXXX C A D B |
| XXXX | 2009698 | XXXX | XXXX C A D B |
| XXXX | 2009699 | XXXX | XXXX C A D B |
| XXXX | 2009700 | XXXX | XXXX C A D B |
| XXXX | 2009701 | XXXX | XXXX C A D B |
| XXXX | 2009692 | XXXX | XXXX D A |
| XXXX | 2009693 | XXXX | XXXX D A |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 1923662 | XXXX C B A | Closed | FCRE1506 | 2024-08-27 20:26 | 2024-09-17 15:27 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a XXXX Purpose loan. - Due Diligence Vendor-09/17/2024 <br> Ready for Review-Document Uploaded. Bank statement for XXXX dated XXXX has been uploaded, please clear condition. - Seller-09/16/2024 <br> Counter-Statement for XXXX and XXXX provided. Re-reviewed the uploaded file and was not able to find a Statement for XXXX for account XXXX. Finding remains. - Due Diligence Vendor-09/04/2024 <br> Ready for Review-Document Uploaded. I pulled a copy of pages XXXX and uploaded it again, the date on the document is XXXX. Please clear condition. - Seller-09/03/2024 <br> Counter-The XXXX Statement in file is from XXXX. We are missing the XXXX XXXX Statement. - Due Diligence Vendor-08/30/2024 <br> Ready for Review-XXXX statement is the loan docs, pages 1141 through 1149. Please clear condition. - Seller-08/29/2024 <br> Counter-It appears we are missing the XXXX statement. - Due Diligence Vendor-08/29/2024 <br> Ready for Review-All 12 months of XXXX bank statements account XXXX from XXXX through XXXX are in the file, please clear condition. - Seller-08/28/2024 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing bank statement needed for income calculation. - Due Diligence Vendor-08/28/2024 | Ready for Review-Document Uploaded. Bank statement for XXXX dated XXXX has been uploaded, please clear condition. - Seller-09/16/2024 <br> Ready for Review-Document Uploaded. I pulled a copy of pages 141-1149 and uploaded it again, the date on the document is XXXX. Please clear condition. - Seller-09/03/2024 <br> Ready for Review-XXXX statement is the loan docs, pages 1141 through 1149. Please clear condition. - Seller-08/29/2024 <br> Ready for Review-All 12 months of XXXX bank statements account XXXX from XXXX through XXXX are in the file, please clear condition. - Seller-08/28/2024 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a XXXX Purpose loan. - Due Diligence Vendor-09/17/2024 | Qualifying DTI below maximum allowed - Qualifying DTI 12.33% below maximum allowed<br>LTV is less than guideline maximum - LTV 75% is less than guideline maximum |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2265339 |
| XXXX | 1923662 | XXXX C B A | Closed | FCRE0044 | 2024-08-27 17:49 | 2024-08-29 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not applicable. N/A Broker inquiries. - Due Diligence Vendor-08/29/2024 <br>Ready for Review-This inquiries were done by the broker, no LOX needed for this one. Please clear condition. - Seller-08/28/2024 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/27/2024 | Ready for Review-This inquiries were done by the broker, no LOX needed for this one. Please clear condition. - Seller-08/28/2024<br>| Resolved-LOX for credit inquiries is present in file or not applicable. N/A Broker inquiries. - Due Diligence Vendor-08/29/2024<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12.33% below maximum allowed<br>LTV is less than guideline maximum - LTV 75% is less than guideline maximum |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2264904 |
| XXXX | 1923662 | XXXX C B A | Closed | FCRE6763 | 2024-08-27 20:10 | 2024-08-29 16:45 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-08/29/2024 <br> Ready for Review-Document Uploaded. Uploaded the exception for the multiple NFS on the June statement, please clear condition. - Seller-08/28/2024 <br> Open- Excessive Overdraft /NSF's, 13 in total with XXXX. - Due Diligence Vendor-08/28/2024 | Ready for Review-Document Uploaded. Uploaded the exception for the multiple NFS on the XXXX statement, please clear condition. - Seller-08/28/2024 | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-08/29/2024<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12.33% below maximum allowed<br>LTV is less than guideline maximum - LTV 75% is less than guideline maximum | 75% LTV < 80% maximum allowed<br> 12.32% DTI < 50% maximum allowed. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | N/A | 2265322 |
| XXXX | 1923658 | XXXX D A C | Closed | FPRO0011 | 2024-09-27 14:11 | 2024-10-07 08:42 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Post Disaster Inspection provided. Free and clear of damage. - Due Diligence Vendor-10/07/2024 <br> Ready for Review-Document Uploaded. please find PDI for review. - Seller-10/04/2024 <br> Open-XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX - Due Diligence Vendor-09/27/2024 | Ready for Review-Document Uploaded. please find PDI for review. - Seller-10/04/2024<br>| Resolved-Post Disaster Inspection provided. Free and clear of damage. - Due Diligence Vendor-10/07/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 732 > 680<br>Months Reserves exceed minimum required - 22.94 months of reserves exceed the requirement of 12 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2473889 |
| XXXX | 1923658 | XXXX D A C | Closed | FCRE0082 | 2024-09-27 13:59 | 2024-10-01 16:12 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Vested Owner Signature Requirement met. - Operating agreement provided. - Due Diligence Vendor-10/01/2024 <br> Ready for Review-Document Uploaded. Please findXXXX for review. - Seller-09/30/2024 <br> Open-Vested Owner Signature Requirement Not met. Missing LLC documents for XXXX for deed transfer to prove seasoned ownership - Due Diligence Vendor-09/27/2024 | Ready for Review-Document Uploaded. Please find XXXX for review. - Seller-09/30/2024 | Resolved-Vested Owner Signature Requirement met. - Operating agreement provided. - Due Diligence Vendor-10/01/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 732 > 680<br>Months Reserves exceed minimum required - 22.94 months of reserves exceed the requirement of 12 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2473768 |
| XXXX | 1923658 | XXXX D A C | Closed | FCRE5809 | 2024-09-27 12:48 | 2024-10-01 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-CPA letter and Operating agreement provided. 100% owner. - Due Diligence Vendor-10/01/2024 <br> Ready for Review-Document Uploaded. - Seller-09/30/2024 <br> Ready for Review-Document Uploaded. attached is the CPA letter for partition projects. - Seller-09/30/2024 <br> Open-Missing LLC documents for XXXX to show 100% ownership since using for income - Due Diligence Vendor-09/27/2024 | Ready for Review-Document Uploaded. - Seller-09/30/2024 <br>Ready for Review-Document Uploaded. attached is the CPA letter for partition projects. - Seller-09/30/2024<br>| Resolved-CPA letter and Operating agreement provided. 100% owner. - Due Diligence Vendor-10/01/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 732 > 680<br>Months Reserves exceed minimum required - 22.94 months of reserves exceed the requirement of 12 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2472658 |
| XXXX | 1923652 | XXXX C B A | Closed | FPRO0011 | 2024-10-01 15:22 | 2024-10-07 11:54 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved--Incident occurred prior to appraisal inspection. - Due Diligence Vendor-10/07/2024 <br> Counter-Appraisal was issued on XXXX which is before the Major Disaster Declaration declared on XXXX Incident Period: XXXX<br> Disaster Inspection required. Finding remains. - Due Diligence Vendor-10/04/2024 <br> Ready for Review-Appraisal was issued after the incident period which is sufficient, no need for property disaster inspection. Please clear condition. - Seller-10/03/2024 <br> Open-XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX<br> Note date XXXX. - Due Diligence Vendor-10/01/2024 | Ready for Review-Appraisal was issued after the incident period which is sufficient, no need for property disaster inspection. Please clear condition. - Seller-10/03/2024<br>| Resolved--Incident occurred prior to appraisal inspection. - Due Diligence Vendor-10/07/2024<br>| Qualifying DTI below maximum allowed - 14.08% DTI < 50% max.<br>LTV is less than guideline maximum - 80% LTV < 85% max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2498471 |
| XXXX | 1923652 | XXXX C B A | Closed | finding-3652 | 2024-09-25 14:59 | 2024-10-04 16:06 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, no further documentation is needed or required. Lender credit was added to initial CD for closing costs above legal limit. Since there is no tolerance violation on the final CD, lender credits were removed. - Due Diligence Vendor-10/04/2024 <br> Counter-CD issued XXXX included a Lender Credit of XXXX for increase in closing cost above legal limit. Final XXXX credit was removed without a COC. Please provide COC. - Due Diligence Vendor-10/04/2024 <br> Ready for Review-DISAGREE: Per 12 CFR 1026.19(e)(3)(i), an estimated closing cost is in good faith if the charge paid by the consumer does not exceed the amount originally disclosed on the loan estimate. Using the final loan estimate as a baseline, there was no lender credit disclosed to the borrower and ultimately the loan closed with no lender credit to the borrower. Thus there was no tolerance violation as baselined against the loan estimate. Please clear condition. - Seller-10/03/2024 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Additional findings may apply upon receipt. Statute of limitations - three years; Expiration date: XXXX.<br> - Due Diligence Vendor-09/25/2024 | Ready for Review-DISAGREE: Per 12 CFR 1026.19(e)(3)(i), an estimated closing cost is in good faith if the charge paid by the consumer does not exceed the amount originally disclosed on the loan estimate. Using the final loan estimate as a baseline, there was no lender credit disclosed to the borrower and ultimately the loan closed with no lender credit to the borrower. Thus there was no tolerance violation as baselined against the loan estimate. Please clear condition. - Seller-10/03/2024<br>| Resolved-Upon further review, no further documentation is needed or required. Lender credit was added to initial CD for closing costs above legal limit. Since there is no tolerance violation on the final CD, lender credits were removed. - Due Diligence Vendor-10/04/2024<br>| Qualifying DTI below maximum allowed - 14.08% DTI < 50% max.<br>LTV is less than guideline maximum - 80% LTV < 85% max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2456031 |
| XXXX | 1923652 | XXXX C B A | Closed | finding-2502 | 2024-09-25 14:59 | 2024-10-04 05:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | CT Nonprime Home Loan Test | Resolved-Upon further review no additional documentation is needed or required. - Due Diligence Vendor-10/04/2024 <br> Ready for Review-We acknowledge that this is a XXXX nonprime loan. Please clear condition. - Seller-10/03/2024 <br> Open-This loan failed the XXXX nonprime home loan test.<br>The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXXX Nonprime Home Loan Article section of the full XXXX report.<br>While the XXXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Due Diligence Vendor-09/25/2024 | Ready for Review-We acknowledge that this is a XXXX nonprime loan. Please clear condition. - Seller-10/03/2024 | Resolved-Upon further review no additional documentation is needed or required. - Due Diligence Vendor-10/04/2024<br>| Qualifying DTI below maximum allowed - 14.08% DTI < 50% max.<br>LTV is less than guideline maximum - 80% LTV < 85% max. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2456034 |
| XXXX | 1923652 | XXXX C B A | Closed | FCRE0360 | 2024-10-01 17:04 | 2024-10-01 17:09 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/01/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower paid cash for XXXX. We have an LOE from the borrower explaining he ran out of checks so he paid cash. The bank statement for this month also shows plenty of money so this was not an instance of not having the ability or willingness to pay. Please see LOE and statement for information supporting this request. All rent payments were paid on time and within the allowable grace period.<br>- Due Diligence Vendor-10/01/2024 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/01/2024<br>| Qualifying DTI below maximum allowed - 14.08% DTI < 50% max.<br>LTV is less than guideline maximum - 80% LTV < 85% max. | -DTI 14.61%<br> - 5 years on Job<br> -19 trades 6 active 4 at or above 5K paid as agreed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 2499729 |
| XXXX | 1923642 | XXXX D A | Closed | FCRE1356 | 2024-10-03 18:22 | 2024-10-11 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved--Per Client, B2 income removed - Due Diligence Vendor-10/11/2024 <br> Ready for Review-Document Uploaded. the wife is removed from the income and the P&L is uploaded for review. - Seller-10/08/2024 <br> Ready for Review-Document Uploaded. Please find the new Income update as we removed the wife income loan is still within guidelines. please update and clear findings. - Seller-10/07/2024 <br> Open-Borrower 2 YTD Profit & Loss Missing B2 files a schedule C for wages earned working for husband's SCorp. Missing YTD P&L through XXXX supporting her YTD Schedule C earnings. - Due Diligence Vendor-10/03/2024 | Ready for Review-Document Uploaded. the wife is removed from the income and the P&L is uploaded for review. - Seller-10/08/2024 <br>Ready for Review-Document Uploaded. Please find the new Income update as we removed the wife income loan is still within guidelines. please update and clear findings. - Seller-10/07/2024<br>| Resolved--Per Client, B2 income removed - Due Diligence Vendor-10/11/2024<br>| Months Reserves exceed minimum required - Lender reserves are 6m PITIA, borrower has 27m.<br>On time mortgage history exceeds guideline requirement - 50 months on time |  | 39597_incomeupdate.pdf<br>39597_P&L.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2521528 |
| XXXX | 1923642 | XXXX D A | Closed | FCRE1324 | 2024-10-03 18:22 | 2024-10-11 15:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Tax Returns Are Signed - Due Diligence Vendor-10/08/2024 <br> Ready for Review-Document Uploaded. Please find the signed pages for XXXX's and XXXX 1120/1040 - Seller-10/07/2024 <br> Open-Borrower 1 Tax Returns Not Signed Missing XXXX 1040 signature and XXXX 1120S signatures. - Due Diligence Vendor-10/03/2024 | Ready for Review-Document Uploaded. Please find the signed pages for XXXX 1120's and XXXX 1120/1040 - Seller-10/07/2024 | Resolved-Tax Returns Are Signed - Due Diligence Vendor-10/08/2024<br>| Months Reserves exceed minimum required - Lender reserves are 6m PITIA, borrower has 27m.<br>On time mortgage history exceeds guideline requirement - 50 months on time |  | 39597_1120sig.pdf<br>39597_1120_1040sig.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2521526 |
| XXXX | 1923657 | XXXX D A | Closed | FCRE6019 | 2024-09-27 12:28 | 2025-05-09 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided. - Due Diligence Vendor-10/08/2024 <br> Ready for Review-Document Uploaded. Please find the XXXX ID and passport. - Seller-10/07/2024 <br> Counter-Please provide documentation to support the country of origin. - Due Diligence Vendor-10/07/2024 <br> Ready for Review-Document Uploaded. Per Guidelines, borrower provided Govt ID (ID Card) and her ITIN. please update and clear findings. Guidelines: A XXXX Government (Federal or State) issued identification card must be provided and match the information contained in ITIN documents. - Seller-10/04/2024 <br> Open-Borrower Citizenship Documentation Is Missing Please provide copy of borrower's Visa. - Due Diligence Vendor-09/27/2024 | Ready for Review-Document Uploaded. Please find the XXXX ID and passport. - Seller-10/07/2024 <br> Ready for Review-Document Uploaded. Per Guidelines, borrower provided Govt ID (ID Card) and her ITIN. please update and clear findings. Guidelines: A XXXX Government (Federal or State) issued identification card must be provided and match the information contained in ITIN documents. - Seller-10/04/2024 | Resolved-Borrower Citizenship Documentation Provided. - Due Diligence Vendor-10/08/2024<br>| Qualifying DTI below maximum allowed - 30% vs. 50% allowed<br>On time mortgage history exceeds guideline requirement - Borrower own primary own for 7 years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2472445 |
| XXXX | 1923654 | XXXX C A | Closed | FCOM2368 | 2024-09-27 16:01 | 2024-10-08 08:58 | Resolved | 1 - Information C A | Compliance | Closing | Loan Origination Company NMLS Status is Not Active | Resolved-Received NMLS ID for XXXX Bank and documentation confirming XXXX is DBA as XXXX. - Due Diligence Vendor-10/08/2024 <br> Ready for Review-Document Uploaded. Document Uploaded. Please find the NMLS matching LO and the company listing showing XXXX is owner of XXXX as well. - Seller-10/07/2024 <br> Open-Loan Origination Company NMLS Status is Not Active Broker Name and Address do not match NMLS ID no. - Due Diligence Vendor-09/27/2024 | Ready for Review-Document Uploaded. Document Uploaded. Please find the NMLS matching LO and the company listing showing XXXX is owner of XXXX as well. - Seller-10/07/2024 | Resolved-Received NMLS ID for NBH Bank and documentation confirming XXXX is DBA as XXXX - Due Diligence Vendor-10/08/2024 | LTV is less than guideline maximum - Maximum LTV is 80%; qualifying LTV is 71.43%.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 411.22 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2475680 |
| XXXX | 1985135 | XXXX B A | Closed | FCRE1440 | 2025-02-11 17:51 | 2025-02-13 11:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Per guides, a 12-month rental history is required for all FM programs when the borrower is renting their current primary residence. Additionally, any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). Supplemental report page 265 shows 37 months of rental history and states no lates. Lender exception approved in the loan file. - Due Diligence Vendor-02/11/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - 8.8 months of PITI reserves verified, minimum 3 months PITI reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - 793 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 69.91% LTV ratio, 85% maximum LTV allowed. | Loan to value 10% or more under requirement.<br> FICO 20 points or more above requirement.<br> Residual income XXXX or more.<br> Long term employment (greater than 5 years).<br> Minimal consumer debt. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3402708 |
| XXXX | 1985137 | XXXX C B A | Closed | FCRE3599 | 2025-02-21 17:29 | 2025-05-09 13:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-05/12/2025 <br> Open-Exception for FM aggregate exposure to a single borrower and/or household exceeding XXXX in current unpaid principal balance - Due Diligence Vendor-05/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico 720 is 20+ point above 680 minimum<br>Credit history exceeds minimum required - Total debt 10% or more under requirement | - Fico 20 points over more above requirement<br> - total debt 10% or more under requirement |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3465578 |
| XXXX | 2009691 | XXXX D B A | Closed | FCRE1200 | 2025-04-07 19:34 | 2025-05-09 13:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-05/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Approval in file – <br> 1. Loan Amount < XXXX – Loan Amount = XXXX<br> - Due Diligence Vendor-04/07/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.463 | DSCR > 1.20<br> Minimum score 700 borrower's FICO = 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3801518 |
| XXXX | 2009691 | XXXX D B A | Closed | FCRE1254 | 2025-04-07 19:18 | 2025-04-11 16:29 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received executed/recorded quit claim deed. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. deed - Seller-04/08/2025 <br> Open-Property Title Issue File is missing Fully Executed Quit-Claim to XXXX - one in file is Unsigned - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. deed - Seller-04/08/2025<br>| Resolved-Received executed/recorded quit claim deed. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.463 |  | 2225026794 Recorded Deed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3801454 |
| XXXX | 2009691 | XXXX D B A | Closed | FCRE1252 | 2025-04-08 15:19 | 2025-04-11 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received AOL for vested entity - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br> Open-Title is being held in an LLC per Guides: Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> o Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> o the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> o Percentage of ownership<br> o state who the manager(s) of the LLC are. (borrower should be a manager) - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received AOL for vested entity - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.463 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810588 |
| XXXX | 2009689 | XXXX C B A | Closed | FCRE8702 | 2025-04-08 17:58 | 2025-04-10 17:33 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - FICo 784 / Minimum 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3812237 |
| XXXX | 2009689 | XXXX C B A | Closed | FCRE1254 | 2025-04-08 17:28 | 2025-04-10 17:32 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Recorded Deed. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. deed - Seller-04/09/2025 <br> Open-Property Title Issue File is missing Fully Executed Quit-Claim to XXXX – one if file is Unsigned - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. deed - Seller-04/09/2025<br>| Resolved-Received Recorded Deed. - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - FICo 784 / Minimum 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3812021 |
| XXXX | 2009689 | XXXX C B A | Closed | FCRE1510 | 2025-04-02 11:04 | 2025-04-10 17:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PPP Rider - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre payment rider and addendum - Seller-04/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. File is missing Prepayment Penalty – Prepayment penalties are required for investment properties under the NQM program - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre payment rider and addendum - Seller-04/09/2025<br>| Resolved-Received PPP Rider - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - FICo 784 / Minimum 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751701 |
| XXXX | 2009689 | XXXX C B A | Closed | FCRE1509 | 2025-04-02 10:44 | 2025-04-10 17:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre payment rider and addendum - Seller-04/09/2025 <br>Open-There are Issues Present on the Note that must be addressed. File is missing Prepayment Penalty – Prepayment penalties are required for investment properties under the NQM program - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre payment rider and addendum - Seller-04/09/2025<br>| Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - FICo 784 / Minimum 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751382 |
| XXXX | 2009689 | XXXX C B A | Closed | FCRE0008 | 2025-04-02 10:44 | 2025-04-10 17:31 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-rule action - false - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre payment rider and addendum - Seller-04/09/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '60.0' Diligence value '0'. File is missing Prepayment Penalty – Prepayment penalties are required for investment properties under the NQM program - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre payment rider and addendum - Seller-04/09/2025<br>| Resolved-rule action - false - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - FICo 784 / Minimum 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751383 |
| XXXX | 2009689 | XXXX C B A | Closed | FCRE1200 | 2025-04-08 17:49 | 2025-04-09 09:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material loan amount. - Due Diligence Vendor-04/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX File is missing Exception Approval for Loan Amount < XXXX - Due Diligence Vendor-04/08/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material loan amount. - Due Diligence Vendor-04/09/2025<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - FICo 784 / Minimum 700 | DSCR > 1.20<br> FICO 784 - minimum 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3812174 |
| XXXX | 2009688 | XXXX D B A | Closed | FCOM1351 | 2025-04-08 14:51 | 2025-04-10 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guarantee Agreement. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. guaranty - Seller-04/09/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. File is missing Guaranty Agreement - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. guaranty - Seller-04/09/2025<br>| Resolved-Received Guarantee Agreement. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810141 |
| XXXX | 2009688 | XXXX D B A | Closed | FCRE8702 | 2025-04-08 14:51 | 2025-04-10 17:23 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810142 |
| XXXX | 2009688 | XXXX D B A | Closed | FCRE1254 | 2025-04-08 14:53 | 2025-04-10 17:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received recorded deed. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. deed - Seller-04/09/2025 <br> Open-Property Title Issue File is missing Fully Executed Quit-Claim to XXXX – one if file is Unsigned - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. deed - Seller-04/09/2025<br>| Resolved-Received recorded deed. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810165 |
| XXXX | 2009688 | XXXX D B A | Closed | FCRE1510 | 2025-04-02 10:36 | 2025-04-10 17:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PPP Rider. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre pay rider and addendum - Seller-04/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing PPP Rider to Mortgage - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre pay rider and addendum - Seller-04/09/2025<br>| Resolved-Received PPP Rider. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751262 |
| XXXX | 2009688 | XXXX D B A | Closed | FCRE0008 | 2025-04-02 10:34 | 2025-04-10 17:19 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre pay rider and addendum - Seller-04/09/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '60.0' Diligence value '0'. File is missing Prepayment Penalty - Prepayment penalties are required for investment properties under the NQM program. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre pay rider and addendum - Seller-04/09/2025<br>| Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751240 |
| XXXX | 2009688 | XXXX D B A | Closed | FCRE1509 | 2025-04-08 14:47 | 2025-04-10 17:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre pay rider and addendum - Seller-04/09/2025 <br>Open-There are Issues Present on the Note that must be addressed. File is missing Prepayment Penalty - Prepayment penalties are required for investment properties under the NQM program. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. pre pay rider and addendum - Seller-04/09/2025<br>| Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810056 |
| XXXX | 2009688 | XXXX D B A | Closed | FCRE1200 | 2025-04-08 15:03 | 2025-04-09 09:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator Exception granted and in file, waiver applied with comp factors. Deemed non-material - Due Diligence Vendor-05/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Approval in file – <br> 1. Loan Amount < XXXX – Loan Amount = XXXX<br> - Due Diligence Vendor-04/08/2025 |  | Waived-Originator Exception granted and in file, waiver applied with comp factors. Deemed non-material - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.464 | DSCR > 1.20<br> Fico > 20 points from minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3810353 |
| XXXX | 2009686 | XXXX C B A | Closed | FCRE8702 | 2025-04-08 16:12 | 2025-04-10 17:29 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.538 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3811293 |
| XXXX | 2009686 | XXXX C B A | Closed | FCRE1254 | 2025-04-08 16:02 | 2025-04-10 17:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received recorded deed. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. deed - Seller-04/09/2025 <br> Open-Property Title Issue File is missing Fully Executed Quit-Claim to XXXX – one if file is Unsigned - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. deed - Seller-04/09/2025<br>| Resolved-Received recorded deed. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.538 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3811169 |
| XXXX | 2009686 | XXXX C B A | Closed | FCRE1200 | 2025-04-08 16:13 | 2025-04-09 09:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-05/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Approval in file – <br> 1. Loan Amount < XXXX – Loan Amount = XXXX<br> - Due Diligence Vendor-04/08/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.538 | DSCR > 1.20<br> Fico > 20 Points from minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3811313 |
| XXXX | 2009682 | XXXX C B A | Closed | FCRE1200 | 2025-04-08 13:53 | 2025-05-09 13:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted loan amount XXXX, waiver applied with compactors. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-04/08/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Per Matrix min loan amount is XXXX and loan amount is XXXX - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-04/08/2025<br>| Waived-Originator exception granted loan amount XXXX, waiver applied with compactors. - Due Diligence Vendor-05/09/2025 | Months Reserves exceed minimum required - 49.27 months reserves exceed required 3 by 46.27 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 is higher than the required 700 |  | loan amount exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3809147 |
| XXXX | 2009683 | XXXX D B A | Closed | FCOM1351 | 2025-04-09 08:40 | 2025-04-11 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guarantee Agreement. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. guaranty - Seller-04/09/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty agreement - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. guaranty - Seller-04/09/2025<br>| Resolved-Received Guarantee Agreement. - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - 45 months available vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. min FICO of 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3815275 |
| XXXX | 2009683 | XXXX D B A | Closed | FCRE8702 | 2025-04-09 09:34 | 2025-04-11 16:21 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> o Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> o the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> o Percentage of ownership<br> o state who the manager(s) of the LLC are. (borrower should be a manager) - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - 45 months available vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. min FICO of 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3815796 |
| XXXX | 2009683 | XXXX D B A | Closed | FCRE1200 | 2025-04-09 09:08 | 2025-04-09 09:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material, loan amount. - Due Diligence Vendor-04/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception for loan amount located on page 387 - Due Diligence Vendor-04/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material, loan amount. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - 45 months available vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 784 vs. min FICO of 700 | FICO - 784 minimum 700<br> Reserves > 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3815503 |
| XXXX | 2009687 | XXXX C B A | Closed | FCRE1200 | 2025-04-08 19:18 | 2025-05-09 13:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-04/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Approval in file – <br> 1. Loan Amount < XXXX – Loan Amount = XXXX<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-04/09/2025<br>| Waived-Originator provided a waiver for loan amount, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-05/09/2025<br>| DSCR % greater than 1.20 - DSCR 1.576 exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784, Min FICO = 700 | 784 FICO > 700 minimum required.<br> 25.16 months reserves > 3 months minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 3812730 |
| XXXX | 2009687 | XXXX C B A | Closed | FCRE1254 | 2025-04-08 19:03 | 2025-04-10 17:12 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received signed Deed - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. deed - Seller-04/09/2025 <br>Open-Property Title Issue File is missing Fully Executed Quit-Claim to Live Oak Holdings – one if file is Unsigned - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. deed - Seller-04/09/2025<br>| Resolved-Received signed Deed - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR 1.576 exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784, Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3812690 |
| XXXX | 2009687 | XXXX C B A | Closed | FCRE1510 | 2025-04-02 11:07 | 2025-04-10 17:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PPP Rider - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre payment rider and addendum from our file - Seller-04/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. File is missing Prepayment Penalty – Prepayment penalties are required for investment properties under the NQM program - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre payment rider and addendum from our file - Seller-04/09/2025<br>| Resolved-Received PPP Rider - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR 1.576 exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784, Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751760 |
| XXXX | 2009687 | XXXX C B A | Closed | FCRE1509 | 2025-04-02 11:05 | 2025-04-10 17:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. pre payment rider and addendum from our file - Seller-04/09/2025 <br>Open-There are Issues Present on the Note that must be addressed. File is missing Prepayment Penalty – Prepayment penalties are required for investment properties under the NQM program - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. pre payment rider and addendum from our file - Seller-04/09/2025<br>| Resolved-Received PPP Addendum to the Note. - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR 1.576 exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784, Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751705 |
| XXXX | 2009687 | XXXX C B A | Closed | FCRE8702 | 2025-04-08 19:25 | 2025-04-10 17:10 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR 1.576 exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784, Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3812755 |
| XXXX | 2009690 | XXXX C B A | Closed | FCRE8702 | 2025-04-09 08:45 | 2025-04-11 16:49 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received AOL - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br> Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received AOL - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 47 months – Required Reserves = 3 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3815302 |
| XXXX | 2009690 | XXXX C B A | Closed | FCRE1200 | 2025-04-09 08:59 | 2025-04-09 09:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed Non-Material, loan amount - Due Diligence Vendor-04/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Approval in file – <br> 1. Loan Amount < XXXX – Loan Amount = XXXX<br> - Due Diligence Vendor-04/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed Non-Material, loan amount - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 47 months – Required Reserves = 3 Months | FICO - 784 minimum 700<br> Reserves - > 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3815400 |
| XXXX | 2009685 | XXXX C B A | Closed | FCRE8702 | 2025-04-09 09:53 | 2025-04-10 17:36 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received Attorney Opinion Letter. - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR = 1.5795<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3816028 |
| XXXX | 2009685 | XXXX C B A | Closed | FCRE1254 | 2025-04-09 09:54 | 2025-04-10 17:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Recorded Deed. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. deed - Seller-04/09/2025 <br> Open-Property Title Issue File is missing Fully Executed Quit-Claim to XXXXX – one if file is Unsigned - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. deed - Seller-04/09/2025<br>| Resolved-Received Recorded Deed. - Due Diligence Vendor-04/10/2025<br>| DSCR % greater than 1.20 - DSCR = 1.5795<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3816048 |
| XXXX | 2009685 | XXXX C B A | Closed | FCRE1200 | 2025-04-09 10:06 | 2025-04-09 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed Non-material loan amount. - Due Diligence Vendor-04/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX File is missing Exception Approval for Loan Amount < XXXX - Due Diligence Vendor-04/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed Non-material loan amount. - Due Diligence Vendor-04/09/2025<br>| DSCR % greater than 1.20 - DSCR = 1.5795<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700 | DSCR > 1.20<br> FICO > 20 points from minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3816208 |
| XXXX | 2009684 | XXXX C B A | Closed | FCRE8702 | 2025-04-09 11:05 | 2025-04-11 16:31 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received AOL regarding vested entity. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing Attorney Opinion Letter, attesting that the LLC meets the above requirements<br> 1. Opinion letter to confirm borrowers are members of the LLC and individual has<br> authority to sign on behalf of LLC<br> 2. the attorney opinion letter to confirm that it is a valid exercise of the LLC's power to<br> encumber LLC property with our mortgage.<br> 3. Percentage of ownership<br> 4. state who the manager(s) of the LLC are. (borrower should be a manager)<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. attorney opinion letter - Seller-04/10/2025<br>| Resolved-Received AOL regarding vested entity. - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.478 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3817153 |
| XXXX | 2009684 | XXXX C B A | Closed | FCRE1200 | 2025-04-09 11:17 | 2025-04-09 12:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material loan amount. - Due Diligence Vendor-04/09/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Approval in file – <br> 1. Loan Amount < XXXX – Loan Amount = XXXX<br> - Due Diligence Vendor-04/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material loan amount. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 784 Min FICO = 700<br>DSCR % greater than 1.20 - DSCR = 1.478 | DSCR > 1.20<br> FICO > 20 points from minimum 784 fico - minimum 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3817549 |
| XXXX | 2009694 | XXXX C B A | Closed | FPRO1253 | 2025-05-09 15:46 | 2025-05-09 16:24 | Waived | 2 - Non-Material B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived-<br> Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor.<br> - Due Diligence Vendor-05/09/2025 <br> Open-XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 |  | Waived-<br> Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor.<br> - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.29 months reserves exceed required 3 by 116.29 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4099868 |
| XXXX | 2009694 | XXXX C B A | Closed | FCRE0025 | 2025-04-11 13:57 | 2025-04-23 12:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. enclosed please find the XXXX exception in the email chain - Seller-04/11/2025 <br> Open-Borrower is party to a lawsuit according to the 1003 declarations. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. enclosed please find the XXXX exception in the email chain - Seller-04/11/2025 | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.29 months reserves exceed required 3 by 116.29 months. | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3842611 |
| XXXX | 2009694 | XXXX C B A | Closed | FCRE1510 | 2025-04-07 20:36 | 2025-04-16 17:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received pre pay rider to security instrument. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Please see enclosed... please note the top of the form confirming that the same document that was used as the note addendum was also used as the mortgage rider - Seller-04/15/2025 <br>Counter-Received prepay addendum to Note-missing Prepay Rider to security instrument noted on page 2 of security instrument. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. prepay addendum - Seller-04/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing PPP Rider - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see enclosed... please note the top of the form confirming that the same document that was used as the note addendum was also used as the mortgage rider - Seller-04/15/2025 <br>Ready for Review-Document Uploaded. prepay addendum - Seller-04/11/2025<br>| Resolved-Received pre pay rider to security instrument. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.29 months reserves exceed required 3 by 116.29 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3801764 |
| XXXX | 2009694 | XXXX C B A | Closed | FCRE8201 | 2025-04-14 17:21 | 2025-04-14 17:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX. - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.29 months reserves exceed required 3 by 116.29 months. | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861018 |
| XXXX | 2009694 | XXXX C B A | Closed | FCRE1200 | 2025-04-11 13:14 | 2025-04-14 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted loan amount Ready for Review-Document Uploaded. - Seller-04/14/2025<br>Waived-Originator exception granted loan amount Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.29 months reserves exceed required 3 by 116.29 months. FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years<br> exception.pdf ATR/QM: Exempt ATR/QM: Exempt XXXX XX Investment Refinance Cash Out - Other Originator Post-Close Yes 3841945 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009694 | XXXX C B A | Closed | FCRE0008 | 2025-04-07 20:34 | 2025-04-14 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received pre pay addendum - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. pre pay addendum - Seller-04/11/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '60.0' Diligence value '0'. -----Missing PPP Addendum - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. pre pay addendum - Seller-04/11/2025<br>| Resolved-Received pre pay addendum - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.29 months reserves exceed required 3 by 116.29 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3801757 |
| XXXX | 2009695 | XXXX D B C A | Closed | FPRO1253 | 2025-05-09 16:07 | 2025-05-09 16:07 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Client waiver applied to non-material finding due to investor requirement for use for Vision VMC Desk Reviews, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 <br>Open-Vision VMC Desk Reviews, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 |  | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 80 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4100242 |
| XXXX | 2009695 | XXXX D B C A | Closed | FCRE0025 | 2025-04-08 08:06 | 2025-04-23 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Exception was received from Originator and deemed non-material. Finding waived with comp factors. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. please see the enclosed email chain from Ellington where they accepted the loan with the litigation - Seller-04/11/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application the borrower is a party in lawsuit but no documents provided. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. please see the enclosed email chain from XXXX where they accepted the loan with the litigation - Seller-04/11/2025 | Waived-Exception was received from Originator and deemed non-material. Finding waived with comp factors. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 80 months | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3803934 |
| XXXX | 2009695 | XXXX D B C A | Closed | FCRE1200 | 2025-04-11 14:35 | 2025-04-23 12:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. loan amount exception - Seller-04/11/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan amount is XXXX under the min XXXX per matrix - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. loan amount exception - Seller-04/11/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 80 months | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3843285 |
| XXXX | 2009695 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:23 | 2025-04-14 17:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans$XXXX. - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 80 months | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861035 |
| XXXX | 2009696 | XXXX D B C A | Closed | FPRO1253 | 2025-05-09 16:01 | 2025-05-09 16:05 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived-Client waiver applied to non-material finding due to investor requirement for use for Vision XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 <br> Open-XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 |  | Waived-Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.50 months reserves exceed required 3 by 113.50 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4100157 |
| XXXX | 2009696 | XXXX D B C A | Closed | FCRE0025 | 2025-04-08 08:45 | 2025-04-23 12:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application the borrower is a party in lawsuit but no documents provided - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.50 months reserves exceed required 3 by 113.50 months | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | litigation exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3804239 |
| XXXX | 2009696 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:36 | 2025-04-14 17:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX. - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>Months Reserves exceed minimum required - 116.50 months reserves exceed required 3 by 113.50 months | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861161 |
| XXXX | 2009697 | XXXX D B C A | Closed | FPRO1253 | 2025-05-09 16:18 | 2025-05-09 16:20 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived-Client waiver applied to non-material finding due to investor requirement for use for Vision VMC Desk Reviews, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 <br>Open-Vision VMC Desk Reviews, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 |  | Waived-Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 | LTV is less than guideline maximum - LTV 70 is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4100432 |
| XXXX | 2009697 | XXXX D B C A | Closed | FCRE0025 | 2025-04-08 09:01 | 2025-04-23 12:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application the borrower is a party in lawsuit, but no documents provided. Litigation statement from Borr and Attorney <br> - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - LTV 70 is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | litigation exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3804428 |
| XXXX | 2009697 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:39 | 2025-04-14 17:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX. - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| LTV is less than guideline maximum - LTV 70 is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861194 |
| XXXX | 2009698 | XXXX D B C A | Closed | FPRO1253 | 2025-05-09 15:59 | 2025-05-09 16:00 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Client waiver applied to non-material finding due to investor requirement for use for Vision VMC Desk Reviews, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 <br> Open-XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 |  | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4100117 |
| XXXX | 2009698 | XXXX D B C A | Closed | FCRE0025 | 2025-04-08 09:10 | 2025-04-23 12:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application the borrower is a party in lawsuit, but no documents provided. Litigation statement from Borr and Attorney - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | litigation exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3804517 |
| XXXX | 2009698 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:41 | 2025-04-14 17:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX. - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861213 |
| XXXX | 2009699 | XXXX D B C A | Closed | FPRO1253 | 2025-05-09 16:18 | 2025-05-09 16:19 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 <br> Open-XXXX, which are not listed in originator guidelines as an approved vendor - Due Diligence Vendor-05/09/2025 |  | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4100428 |
| XXXX | 2009699 | XXXX D B C A | Closed | FCRE0025 | 2025-04-08 09:39 | 2025-04-23 12:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application the borrower is a party in lawsuit, but no documents provided. Litigation statement from Borr and Attorney - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | litigation exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3804880 |
| XXXX | 2009699 | XXXX D B C A | Closed | FCRE1200 | 2025-04-13 20:08 | 2025-04-14 17:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan amount is XXXX under the min XXXX per matrix - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3851270 |
| XXXX | 2009699 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:28 | 2025-04-14 17:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX<br> - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861081 |
| XXXX | 2009700 | XXXX D B C A | Closed | FCRE0025 | 2025-04-14 07:42 | 2025-04-22 11:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived--Documentation provided to show that entity will indemnify borrower as well as confirmation from attorney and sufficient assets to cover potential damages. Waiver applied to non-material finding. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Borrower is party to a lawsuit according to the 1003 declarations. Litigation statement from Borr and Attorney states borrower is being sued for XXXX. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived--Documentation provided to show that entity will indemnify borrower as well as confirmation from attorney and sufficient assets to cover potential damages. Waiver applied to non-material finding. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | litigation exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3853041 |
| XXXX | 2009700 | XXXX D B C A | Closed | FPRO1253 | 2025-04-14 09:30 | 2025-04-22 09:51 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-04/22/2025 <br> Counter-Exception required for XXXX. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. please see the enclosed email chain from XXXX. They are the Investor we are selling the loan to, and THEY requested that we obtain this review report through "XXXX" - Seller-04/18/2025 <br> Counter-Review received does not meet requirements of guidelines page 75. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. correct AVM - Seller-04/16/2025 <br> Open-AVM in file over 10% less than appraised value, desk review is required. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. please see the enclosed email chain from XXXX. They are the Investor we are selling the loan to, and THEY requested that we obtain this review report through "XXXX" - Seller-04/18/2025 <br> Ready for Review-Document Uploaded. correct AVM - Seller-04/16/2025 | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-04/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3854018 |
| XXXX | 2009700 | XXXX D B C A | Closed | FCRE1200 | 2025-04-14 08:07 | 2025-04-14 17:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan amount is XXXX under the min XXXX per matrix - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3853198 |
| XXXX | 2009700 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:33 | 2025-04-14 17:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX. - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3861129 |
| XXXX | 2009701 | XXXX D B C A | Closed | FPRO1253 | 2025-05-09 15:40 | 2025-05-09 15:42 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/12/2025 <br> Open-XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/12/2025 |  | Waived--Client waiver applied to non-material finding due to investor requirement for use for XXXX, which are not listed in originator guidelines as an approved vendor. - Due Diligence Vendor-05/12/2025 | LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4099771 |
| XXXX | 2009701 | XXXX D B C A | Closed | FCRE1200 | 2025-04-13 20:58 | 2025-04-23 12:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan amount is XXXX under the min XXXX per matrix - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3851318 |
| XXXX | 2009701 | XXXX D B C A | Closed | FCRE0025 | 2025-04-13 20:37 | 2025-04-23 12:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Exception was received from Originator and deemed non-material. Finding waived with comp factors. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. Per application the borrower is a party in lawsuit, but no documents provided. Litigation statement from Borr and Attorney - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Waived-Exception was received from Originator and deemed non-material. Finding waived with comp factors. - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years | litigation exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3851299 |
| XXXX | 2009701 | XXXX D B C A | Closed | FCRE1509 | 2025-04-13 20:35 | 2025-04-15 17:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received executed note and addendum. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-There are Issues Present on the Note that must be addressed. Provide a Signed Note. The Note in the file is not signed - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Received executed note and addendum. - Due Diligence Vendor-04/15/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 |  | Note.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3851297 |
| XXXX | 2009701 | XXXX D B C A | Closed | FCRE1510 | 2025-04-08 11:03 | 2025-04-15 17:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal description attached to security instrument. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal description - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Received legal description attached to security instrument. - Due Diligence Vendor-04/15/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 |  | mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3806316 |
| XXXX | 2009701 | XXXX D B C A | Closed | FCRE8201 | 2025-04-14 17:11 | 2025-04-14 17:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025 <br> Open-FM exception for over 10 loans/XXXX<br> - Due Diligence Vendor-04/14/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/14/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 700 | FICO 20 points more than required<br> Reserves > 12+ months than required<br> Long term employment 5+ years.<br> Long term Homeownership 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3860860 |
| XXXX | 2009692 | XXXX D A | Closed | FCRE9501 | 2025-04-15 16:56 | 2025-04-21 14:44 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final settlement statement and operating agreement confirm sufficient assets available. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-04/18/2025 <br> Counter-Received HUD-1s for simultaneous closings-Borrower is noted as LLC-file does not contain LLC ownership details. Document receipt of funds for closing and reserves. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Missing proof of refi proceeds from REO. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. XXXX OPERATING AGREEMENT - Seller-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 | Resolved-Received final settlement statement and operating agreement confirm sufficient assets available. - Due Diligence Vendor-04/21/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max LTV of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3872741 |
| XXXX | 2009692 | XXXX D A | Closed | FCRE1198 | 2025-04-15 17:00 | 2025-04-21 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final settlement statement on refi of investment properties. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-04/18/2025 <br> Counter-Received HUD-1s for simultaneous closings-Borrower is noted as LLC-file does not contain LLC ownership details. Document receipt of funds for closing and reserves. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. XXXX OPERATING AGREEMENT - Seller-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 | Resolved-Received final settlement statement on refi of investment properties. - Due Diligence Vendor-04/21/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max LTV of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3872828 |
| XXXX | 2009692 | XXXX D A | Closed | FCRE1497 | 2025-04-16 08:47 | 2025-04-21 14:42 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Received final HUDs - Due Diligence Vendor-04/17/2025 <br>Ready for Review-uploaded under pther conds - Seller-04/16/2025 <br>Open-ATR: Reasonable Income or Assets Not Considered Missing proof of refi proceeds from REO. - Due Diligence Vendor-04/16/2025 | Ready for Review-uploaded under pther conds - Seller-04/16/2025<br>| Resolved-Received final HUDs - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max LTV of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3876615 |
| XXXX | 2009692 | XXXX D A | Closed | FCRE1503 | 2025-04-16 08:47 | 2025-04-21 14:42 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received PITIA documentation. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-ATR: The Lender did not document all ATR Factors Missing proof of refi proceeds from REO. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received PITIA documentation. - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max LTV of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3876616 |
| XXXX | 2009692 | XXXX D A | Closed | FCRE1506 | 2025-04-16 08:47 | 2025-04-21 14:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA documentation - Due Diligence Vendor-04/17/2025 <br>Ready for Review-uploaded under other conds - Seller-04/16/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of refi proceeds from REO. - Due Diligence Vendor-04/16/2025 | Ready for Review-uploaded under other conds - Seller-04/16/2025<br>| Resolved-Received PITIA documentation - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max LTV of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3876617 |
| XXXX | 2009692 | XXXX D A | Closed | FCRE7497 | 2025-04-15 16:45 | 2025-04-17 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Missing documentation to support PITIA for REO XXXX and XXXX from new refinance. DTI is not yet finalized and additional information and/or documentation may be required. At initial Audit review, Audit used Lender's figures to calculate the DTI. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received PITIA validation - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max LTV of 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3872558 |
| XXXX | 2009693 | XXXX D A | Closed | FCRE5782 | 2025-04-16 10:47 | 2025-04-17 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. GAP report - Seller-04/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP credit - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. GAP report - Seller-04/16/2025<br>| Resolved-Received Gap report. - Due Diligence Vendor-04/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 778 vs. 680 min @ 75% LTV<br>Months Reserves exceed minimum required - 75 vs. 6 required<br>Qualifying DTI below maximum allowed - 36.6% vs. max 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3878230 |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **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 Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 1923662 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/03/2024 | 5 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8865.88 | 08/05/2024 | 6.690% |  |  | No | 9.788% |  | 9.625% |  | $2709.34 | No | $5312.52 | $442.71 | $2071.80 | $172.65 | $0.00 | $0.00 | $0.00 | $3324.70 | $31844.30 | N/A |  |  | $0.00 |  |  | 0.00% | 12.33% | 12.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/08/2024 | 07/08/2024 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | ITIN Credit Report | 27976.68 | 8.4 | 27976.68 | 8.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 1923658 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 08/01/2024 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 57634.63 | 07/29/2024 | 6.800% |  |  | No | 7.774% |  | 7.500% |  | $15645.80 | No | $23088.84 | $1924.07 | $11793.96 | $982.83 | $0.00 | $0.00 | $0.00 | $18552.70 | $43248.88 | N/A |  |  | $0.00 |  |  | 0.00% | 42.80% | 42.80% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SECorporation, SECorporation, SECorporation - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SECorporation - Business Bank Statements Verified - 2023 - 2023 | Borrower - 2023, 2024 \|\| Co Borrower - 2023 - 2023 | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2024 | 05/21/2024 | 05/21/2024 |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 425642.01 | 22.9 | No | 76.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 1923652 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13524 | 09/02/2024 | 6.350% |  |  | No | 8.817% |  | 8.375% |  | $3131.50 | No | $7609.80 | $634.15 | $2052.96 | $171.08 | $0.00 | $0.00 | $0.00 | $3936.73 | $33909.99 | N/A |  |  | $0.00 |  |  | 0.00% | 14.08% | 14.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/05/2024 | 07/05/2024 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | ITIN Credit Report | 23649.04 | 6 | 23649.04 | 6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 1923642 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 20574 | 09/09/2024 | 6.320% |  |  | No | 7.858% |  | 7.625% |  | $6681.57 | No | $9873.48 | $822.79 | $4031.04 | $335.92 | $0.00 | $0.00 | $0.00 | $7840.28 | $17784.72 | N/A |  |  | $0.00 |  |  | 0.00% | 46.04% | 46.04% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 NA | N/A | 0 | N/A | 0 | 2 | 2 |  | 0 | 1 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Borrower Prepared | 8 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 \|\| Co Borrower - null Personal Tax Returns Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 \|\| Co Borrower - null Personal Tax Returns Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/27/2024 | 08/27/2024 | 08/27/2024 |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 211861.70 | 27 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 1923657 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 13118 | 08/19/2024 | 6.450% |  |  | No | 8.643% |  | 8.375% |  | $4341.53 | No | $2816.40 | $234.70 | $875.04 | $72.92 | $720.00 | $60.00 | $0.00 | $4709.15 | $8494.29 | N/A | XXXX | XXXX | $60.00 | 01/01/2025 | Annually | 0.00% | 47.24% | 47.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 156 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2024 | 08/08/2024 |  |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Non Permanent Resident Alien | XXXX | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | ITIN Credit Report | 34676.84 | 7.4 | 34676.84 | 7.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 1923654 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 18569 | 09/09/2024 | 6.320% |  |  | No | 7.530% |  | 7.500% |  | $5244.11 | No | $6028.68 | $502.39 | $3087.12 | $257.26 | $0.00 | $0.00 | $0.00 | $6003.76 | $10705.52 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | Yes | Yes | N/A | 6 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - Personal Bank Statements Verified | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 08/27/2024 | 08/27/2024 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2468844.76 | 411.2 | 2468844.76 | 411.2 | No | 71.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 1985135 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 01/27/2025 | 6.930% |  |  | No | 7.450% |  | 7.375% |  | $2728.17 | No | $11486.28 | $957.19 | $3729.84 | $310.82 | $0.00 | $0.00 | $0.00 | $3996.18 | $8880.92 | N/A |  |  | $0.00 |  |  | 0.00% | 41.71% | 41.71% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 \|\| Co Borrower | Borrower - 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 | 12/03/2024 |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 35090.11 | 8.8 | 35090.11 | 8.8 | No | 69.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 1985137 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 01/27/2025 | 6.930% |  |  | No | 7.729% |  | 7.625% |  | $5839.30 | No | $12811.44 | $1067.62 | $7523.04 | $626.92 | $0.00 | $0.00 | $0.00 | $7533.84 | $193948.66 | N/A |  |  | $0.00 |  |  | 0.00% | 18.93% | 18.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/26/2024 | 12/26/2024 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 210069.77 | 27.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009691 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $856.67 | No | $564.24 | $47.02 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $1008.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.463 | 1.46 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29749.12 | 29.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009689 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $856.67 | No | $564.24 | $47.02 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $1008.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.463 | 1.46 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 48120.58 | 47.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009688 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $856.67 | No | $556.32 | $46.36 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $1007.61 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.464 | 1.46 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 49959.71 | 49.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009686 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $805.18 | No | $590.40 | $49.20 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $958.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.538 | 1.53 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 40017.35 | 41.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009682 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $870.71 | No | $556.20 | $46.35 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $1021.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.444 | 1.444 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 50332.23 | 49.3 | No | 76.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009683 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $814.54 | No | $556.32 | $46.36 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $965.48 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.58 | 1.57 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 37210.08 | 45.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009687 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $814.54 | No | $581.28 | $48.44 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $967.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.576 | 1.576 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/20/2025 | 03/20/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 24343.82 | 25.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009690 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $856.67 | No | $590.28 | $49.19 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $1010.44 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.099 | 1.31 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47982.57 | 47.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009685 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $814.54 | No | $556.20 | $46.35 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $965.47 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.58 | 1.57 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 42833.93 | 44.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009684 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | $880.08 | No | $564.12 | $47.01 | $1254.96 | $104.58 | $0.00 | $0.00 | $0.00 | $1031.67 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.478 | 1.47 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/12/2025 | 03/12/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 39282.39 | 38.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009694 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1765.13 | No | $3172.20 | $264.35 | $1364.52 | $113.71 | $0.00 | $0.00 | $0.00 | $2143.19 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.213 | 1.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 249224.11 | 116.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009695 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | $1814.44 | No | $4620.00 | $385.00 | $825.48 | $68.79 | $0.00 | $0.00 | $0.00 | $2268.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.268 | 1.27 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 263198.47 | 116 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009696 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $2507.00 | No | $5656.08 | $471.34 | $1084.20 | $90.35 | $0.00 | $0.00 | $0.00 | $3068.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.173 | 1.17 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 357506.72 | 116.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009697 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | $2535.57 | No | $5668.56 | $472.38 | $1193.52 | $99.46 | $0.00 | $0.00 | $0.00 | $3107.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.094 | 1.09 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 369635.79 | 119 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009698 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $2499.50 | No | $6616.80 | $551.40 | $3308.76 | $275.73 | $0.00 | $0.00 | $0.00 | $3326.63 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.142 | 1.14 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 361521.54 | 108.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009699 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $1724.44 | No | $3772.08 | $314.34 | $805.44 | $67.12 | $0.00 | $0.00 | $0.00 | $2105.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.223 | 1.22 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 254133.64 | 120.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009700 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | $1674.87 | No | $4361.88 | $363.49 | $925.80 | $77.15 | $0.00 | $0.00 | $0.00 | $2115.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.324 | 1.32 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 244851.83 | 115.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009701 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | $1628.35 | No | $4329.00 | $360.75 | $874.68 | $72.89 | $0.00 | $0.00 | $0.00 | $2061.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.358 | 1.36 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/06/2025 | 03/06/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 237937.93 | 115.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009692 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 03/31/2025 | 6.650% |  |  | No | 7.523% |  | 7.490% |  | $7348.53 | No | $26501.64 | $2208.47 | $3297.00 | $274.75 | $0.00 | $0.00 | $0.00 | $9831.75 | $27865.96 | N/A |  |  | $0.00 |  |  | 0.00% | 47.08% | 47.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 03/31/2025 | 03/31/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 130167.47 | 13.2 | 130167.47 | 13.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2009693 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 03/24/2025 | 6.660% |  |  | No | 7.776% |  | 7.750% |  | $7307.40 | No | $13263.24 | $1105.27 | $2731.32 | $227.61 | $0.00 | $0.00 | $0.00 | $8640.28 | $22679.93 | N/A |  |  | $0.00 |  |  | 0.00% | 36.60% | 36.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 456 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 03/25/2025 | 03/25/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16634.85 | 1.9 | 655846.99 | 75.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.14

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.14**

---

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 1923662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1923658 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.5 | 76.5 | XXXX | XXXX | .1009 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1009 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 1923652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 1923642 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 1923657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 1923654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.43 | 71.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1985135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.91 | 69.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 1985137 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009691 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009689 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009688 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009686 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009682 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.23 | 76.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 2009683 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009687 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009690 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009685 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009684 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009694 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009695 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009696 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009697 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 2009698 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0755 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0755 | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 2009699 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0773 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0773 | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 2009700 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0972 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1333 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0972 | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009701 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 2009692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2009693 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.15

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.15**

![](ex9915_01.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

 ****

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 1 May 20, 2025

![](clayton-logo.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;· **Michael Santarsiere** Client Service
 Director

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Joe Ozment** Vice President – Client Services & Securitization

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

**Overview**

On behalf of the originator, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. Ellington Management Group, LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2025-NQM2 transaction.

The loan referenced in this narrative report was reviewed on a flow loan basis in September of 2024. This narrative report provides information about 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** |
| Broker | 1 | 100.00% |
| **Total** | **1** | **100.00%** |

---

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 2 May 20, 2025

![](clayton-logo.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp;Review scope | &nbsp;&nbsp;# of Files Reviewed |
| Credit Review | 1 |
| Property Valuation Review | 1 |
| Regulatory Compliance Review | 1 |
| Data Integrity Check | 1 |

---

Loan Grading

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

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

![](ex9915_002.jpg)

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 3 May 20, 2025

![](clayton-logo.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 1 loan on this transaction included the following elements (for more detail, please refer to Appendix A):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated
 LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
 the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine that funds to close and reserves were within origination
 guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within origination guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed
 the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 for condo warranty documentation, as applicable;

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (1 loan)

- 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, please refer to Appendix B and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (1 loan)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reconciliations

For further detail please refer to the EFMT 2025-NQM2 Valuations Summary Report

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 4 May 20, 2025

![](clayton-logo.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 1 loan on this transaction included the elements summarized below. (For more detail, please refer to Appendix C.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on Appendix C attached hereto.

- TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on Appendix C attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement
 Procedures Act (RESPA) laws and regulations testing included the following, for loans other
 than 'Covered Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 5 May 20, 2025

![](clayton-logo.jpg)

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

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by EF Mortgage LLC.

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 6 May 20, 2025

![](clayton-logo.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 1 reviewed loan, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 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 EF Mortgage LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 1 loan reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| Disbursement Date | 1 | 0.00% |
| Total Cash Out | 1 | 0.00% |

---

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 7 May 20, 2025

![](clayton-logo.jpg)

**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.

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

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.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 8 May 20, 2025

![](clayton-logo.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (0 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level
 Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 9 May 20, 2025

![](clayton-logo.jpg)

- Non- occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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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;▪ Financial statements

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

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- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

F. Disclaimer

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

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

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

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

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosures ("TRID")

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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;· Finance Charge

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 18 May 20, 2025

![](clayton-logo.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

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

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 19 May 20, 2025

![](clayton-logo.jpg)

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

**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 | |

---

**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 | &nbsp;&nbsp;Vermont<br> (High Rate, High Point law) |
| Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| Indiana | &nbsp;&nbsp;Ohio, including<br> Cleveland Heights ordinance | |
| Kentucky | Oklahoma | |

---

**C.** **Anti-Predatory** 

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

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

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

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

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

**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.

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 20 May 20, 2025

![](clayton-logo.jpg)

---

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

---

**E.** **Consumer Protection** 

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| 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) |
| 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:

**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.

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 21 May 20, 2025

![](clayton-logo.jpg)

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

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

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

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

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

EFMT 2025-NQM2 Due Diligence Narrative Report Page \| 22 May 20, 2025

## Exhibit 99.16

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.16**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **EFMT 2025-NQM2** |
| **Start - End Dates:** | **9/27/2024** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *0* |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |
| **0 - Total Satisfied Conditions** | **0 - Total Satisfied Conditions** |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.17

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.17**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| **Loans in Report:** | 1 |
| **Loans with Conditions:** | 0 |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 1903386 | XXXXXX MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $5,534.55, or 4.63 months. Reserves not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE borrower has been on job since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.43% is below guideline maximum of 55%. |

---

## Exhibit 99.18

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.18**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| **Loans in Report:** | 1 |
| **Loans with Conditions:** | 0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 1903386 | Yes | XXXX | XXXX A | Not Applicable |

---

## Exhibit 99.19

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 1903386 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.5000 | 891.94 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX | (No Data) | XXXX | 74.36 | 74.36 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 96.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 4 | No | Present | XXXX | 77 | 4500.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 649 | 686 | 677 | 3660.80 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 677 | 3660.8 | 2034.28 | 32.68 | 44.43 | 1626.52 | 1196.52 | 5534.55 | 5534.55 | 5534.55 | XXXX | 5534.55 | 4.63 | 4.63 | Fully Amortized | 8.500 | 891.94 | 32.68 | 44.43 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.20

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.20**

---

| | |
|:---|:---|
| **Valuations Summary** |  |
| Loans in Report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |  |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** | **Valuation Comments** |
| 1903386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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% | 1 |  |

---

## Exhibit 99.21

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.21**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| Loans in Report: | 1 |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 1903386 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 4159 | XXXXXX | 8.9841 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 2034.28 |

---

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

## Exhibit 99.22

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.22**

---

| | |
|:---|:---|
| **ATR QM Upload** |  |
| Loans in Report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months since Filing Date** | **BK Discharge Date** | **Months since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** |
| 1903386 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.9841 | No | No | 3.759 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.43 | 44.43 | 44.43 | 44.43 | 44.43 | 44.43 | No | Yes | Yes | 2034.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared.

## Exhibit 99.23

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.23**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| Loans in Report | 1 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 1903386 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 1903386 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared.

## Exhibit 99.24

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.24**

---

| | |
|:---|:---|
| ![](ex9924001.jpg) <br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

**EXECUTIVE SUMMARY**

Third Party Due Diligence Review

**May 19, 2025**

***EFMT 2025-NQM2***

Overview

Consolidated Analytics, Inc. a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC (the "Client"). The review included a total of 3 business purpose, residential mortgage loans, in connection with the securitization identified as EFMT 2025-NQM2 (the "Securitization"). The review began in August of 2024, and concluded in December of 2024.

Scope of Review

**Credit Review**

Consolidated Analytics performed a "Credit Review" to assess conformity with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport)

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been signing authority on behalf of the borrowing entity

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards

○ **Debt-Service Coverage Ratios "DSCR":** Calculate the debt-service coverage ratio to ensure it meets minimum guideline standards

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. Confirm that the borrower has executed an affidavit of commercial/business purpose and that no other documentation that shows the subject property might be a primary residence

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood **zone**, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the original appraisal and all additional property valuation documentation to determine
 whether source, format and type meet program and guideline eligibility requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 that the property type is an eligible property type per program standards and underwriting
 guidelines

&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 as applicable that and independent supplemental third-party valuation was received and
 is within allowable tolerance of the original qualifying value

&nbsp;&nbsp;&nbsp;&nbsp;d. Assess
 rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 that property standards conform to underwriting guidelines requirements

&nbsp;&nbsp;&nbsp;&nbsp;f. Determine
 whether the property is completely constructed and the appraisal is on an "as is
 basis," or property is identified as not completely constructed by originating
 appraiser

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 and determine whether the appraisal was performed on appropriate form and whether the
 appraiser indicated in the body of the conformity to USPAP standards

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 property for functional obsolescence

&nbsp;&nbsp;&nbsp;&nbsp;i. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

Consolidated Analytics applied a cascade methodology to determine if the original appraised value total was reasonably supported when compared to an independent third-party valuation product. For loans reviewed in a post-close valuation review (3 loans consisting of 3 individual properties), the origination value was based on the following products:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;1004 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1073 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**3** |

---

2 properties were supported by a Collateral Underwriter Risk Score of 2.5 or below (CU Score), and 1 property was supported by an Automated Valuation Model (AVM).

In summary the final secondary property valuation by product is as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Secondary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;CU Score | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**3** |

---

Loan Level Valuation Grades are based on the cumulative total of origination appraised values for an individual loan compared to the cumulative total of the secondary valuation products. Loans where the cumulative secondary valuation had a negative variance equal to or greater than 10% of the origination appraised value total were provided with a Valuation Grade of "C".

Of the 3 loans reviewed, all 3 are single property loans.

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

**Tape Integrity Review Results Summary**

Of the three (3) mortgage loans reviewed, one (1) unique mortgage loan (33.33% by loan count) had one (1) tape discrepancy across one (1) data field. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

Summary of Results

**Overall Results Summary**

After giving consideration to the grading criteria, 0.00% of the loans received an Overall "B" grade and 100.00% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $335000.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| **Credit Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $335000.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| **Valuation Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $335000.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |

---

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE A FINDINGS:*** | &nbsp;&nbsp;***2*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE B FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE C FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE D FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT FINDINGS:*** | &nbsp;&nbsp;***2*** |

---

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit and Valuation Guidelines. |
| B | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of 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 published guidelines without any exception or waiver. |
| B | The loan substantially meets published guidelines, but reasonable compensating factors were documented for exceeding published guidelines. |
| C | The loan does not substantially meet published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

![](ex9924002.jpg)

---

| | |
|:---|:---|
| ![](ex9924001.jpg)<br>| 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490 <br> ConsolidatedAnalytics.com<br>|

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | Value is supported and within 10% of the original appraised value, the property is 100% complete and property and valuation meet the required underwriting guidelines and were completed on standard agency approved forms or other eligible forms based on lender/investor requirements. |
| B | Value is supported and within 10% of the original appraised value. 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, and completed on standard agency approved forms or other eligible forms based on lender/investor requirements. |
| 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 standard agency approved forms or other eligible forms based on lender/investor requirements. |
| D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

![](ex9924002.jpg)

## Exhibit 99.25

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | 1880398 | XXX | 1524128403-3002 | 8/5/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/5: Clear | 20240805: Clear |  | Cleared | 8/5/2024 | A |
| XXX | 1973169 | XXX | 1224765902-5602 | 12/3/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX and XXX to XXX & XXX & XXX | 12/5 XXX: Please see attached deed | 20241205: Received |  | Cleared | 12/5/2024 | D A |
| XXX | 1973143 | XXX | 1224787739-5904 | 12/9/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Insufficient Title Insurance $XXX Title Insurance Coverage < $XXX Minimum Required. | 12/12 XXX please see attached please clear thank you | 20241212: Received updated title |  | Cleared | 12/12/2024 | C A |

---

## Exhibit 99.26

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Originator Loan ID** | **Client Loan ID** | **Seller Loan ID** | **UW ID** | **Seller Name** | **Lender Name** | **Originator Name** | **NMLS Loan Originator Number** | **NMLS Loan Officer Number** | **Primary Servicer** | **Borrower 4506-T Indicator** | **Borrower Asset Verification** | **Borrower Assets** | **Shared Appreciation Mortgage Flag** | **Borrower Credit Line Usage Ratio** | **Borrower Credit Report: Longest Trade Line** | **Borrower Credit Report: Maximum Trade Line** | **Borrower Credit Report: Number of Trade Lines** | **Borrower Date Of Birth** | **Borrower Employer** | **Borrower Employment Description** | **Borrower Employment Indicator** | **Borrower Employment Length** | **Borrower Employment Verification** | **Borrower Ethnicity** | **Borrower FICO: Original** | **Borrower FICO: Date Original** | **Borrower FICO: Equifax Original** | **Borrower FICO: Experian Original** | **Borrower FICO: Trans Union Original** | **Borrower FICO: Model Original** | **Borrower FICO: Qualifying** | **Borrower First-Time Home Buyer** | **Borrower Foreign National Flag** | **Borrower Gender** | **Borrower Identification Number** | **Borrower Income Wage** | **Borrower Income Other** | **Borrower Income Total** | **Borrower Income Verification Level** | **Borrower Liquid / Cash Reserves** | **Borrower Months Reserves** | **Borrower Mailing Address** | **Borrower Mailing City** | **Borrower Mailing State** | **Borrower Mailing Zip** | **Borrower Months Bankruptcy** | **Borrower Months Foreclosure** | **Borrower Name: First** | **Borrower Name: Last** | **Borrower Number Of Mortgaged Properties** | **Borrower Prior Bankruptcy Discharge Date** | **Borrower Prior Foreclosure Date** | **Borrower Qualification Method** | **Borrower Race** | **Borrower Relocation Indicator** | **Borrower Self-Employment Flag** | **Borrower Social Security Number** | **Borrower Foreign National Indicator** | **Borrower Years In Home** | **Borrower Years In Field** | **Borrowers Monthly Debt All** | **Co-Borrower Asset Verification** | **Co-Borrower Date Of Birth** | **Co-Borrower Employer** | **Co-Borrower Employment Description** | **Co-Borrower Employment Indicator** | **Co-Borrower Employment Length** | **Co-Borrower Employment Verification** | **Co-Borrower Ethnicity** | **Co-Borrower FICO: Original** | **Co-Borrower FICO: Date Original** | **Co-Borrower FICO: Equifax Original** | **Co-Borrower FICO: Experian Original** | **Co-Borrower FICO: Trans Union Original** | **Co-Borrower FICO: Current** | **Co-Borrower FICO: Date Current** | **Co-Borrower Gender** | **Co-Borrower Income Wage** | **Co-Borrower Income Other** | **Co-Borrower Income Total** | **Co-Borrower Income Verification Level** | **Co-Borrower Mailing Address** | **Co-Borrower Mailing City** | **Co-Borrower Mailing State** | **Co-Borrower Mailing Zip** | **Co-Borrower Name: First** | **Co-Borrower Name: Last** | **Co-Borrower Race** | **Co-Borrower Self-Employment Flag** | **Co-Borrower Social Security Number** | **Co-Borrower Foreign National Indicator** | **Co-Borrower Years In Field** | **Combined Borrower Income Other** | **Combined Borrower Income Total** | **Combined Borrower Income Wage** | **Mortgage Amortization Type** | **Mortgage ARM Fully Indexed Rate** | **Mortgage ARM Gross Margin** | **Mortgage ARM Index Type** | **Mortgage ARM Initial Fixed Rate Period** | **Mortgage ARM Initial Interest Rate Cap (Change Down)** | **Mortgage ARM Initial Interest Rate Cap (Change Up)** | **Mortgage ARM Lifetime Maximum Rate (Ceiling)** | **Mortgage ARM Lifetime Minimum Rate (Floor)** | **Mortgage ARM Look-Back Days** | **Mortgage ARM Rounding Factor** | **Mortgage ARM Rounding Method** | **Mortgage ARM Periodic Interest Rate Cap (Change Down)** | **Mortgage ARM Periodic Interest Rate Cap (Change Up)** | **Mortgage ARM Periodic Interest Rate Reset Period** | **Mortgage Balance Junior Mortgage** | **Mortgage Balance Original Loan Amount** | **Mortgage Balloon Flag** | **Mortgage Broker Flag** | **Mortgage Broker Name** | **Mortgage Buy Down Description** | **Mortgage Buy Down Period** | **Mortgage Cash Out Amount** | **Mortgage Cash Out Use** | **Mortgage Cash Out Texas** | **Mortgage Cash To/From Brrw At Closing** | **Mortgage Convertible Flag** | **Mortgage Covered/High Cost Loan Indicator** | **Mortgage Current LPMI Rate** | **Mortgage Current Note Interest Rate** | **Mortgage Current Payment Amount Due** | **Mortgage Current Payment Other Amount Due** | **Mortgage Current Payment Taxes & Insurance** | **Mortgage Escrow Indicator** | **Mortgage First Payment Date Of Loan** | **Mortgage First Period Maximum Rate** | **Mortgage First Period Minimum Rate** | **Mortgage Insurance Certificate Number** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **Mortgage Insurance Lender Or Borrower Paid?** | **Mortgage Insurance Coverage Plan Type** | **Mortgage Interest Only Flag** | **Mortgage Interest Only Term** | **Mortgage Interest Type Indicator** | **Mortgage Interest Rate Type** | **Mortgage Lien Position** | **Mortgage Loan Purpose** | **Mortgage Loan Type** | **Mortgage Maturity Date** | **Mortgage Negam Flag** | **Mortgage Occupancy** | **Mortgage Option ARM Current Minimum Payment** | **Mortgage Option ARM Indicator** | **Mortgage Option ARM Initial Minimum Payment** | **Mortgage Option ARM Initial Minimum Payment Reset Period** | **Mortgage Option ARM Initial Negative Amortization Recast Period** | **Mortgage Option ARM Initial Periodic Payment Cap** | **Mortgage Option ARM Negative Amortization Limit** | **Mortgage Option ARM Subsequent Minimum Payment Reset Period** | **Mortgage Option ARM Subsequent Negative Amortization Recast Period** | **Mortgage Option ARM Subsequent Payment Reset Period** | **Mortgage Option ARM Subsequent Periodic Payment Cap** | **Mortgage Options At Recast** | **Mortgage Original Amortization Term** | **HOA Flag** | **Mortgage Original Appraisal Comments** | **Mortgage Original Appraisal Company** | **Mortgage Original Appraised Property Value** | **Mortgage Original Appraiser License Number** | **Mortgage Original Appraiser Name** | **Mortgage Original Appraisal Valuation Date** | **Mortgage Original Appraisal Valuation Type** | **AVM Vendor** | **Mortgage Original AVM Model** | **Mortgage Original AVM Confidence Score** | **FSD Score** | **Mortgage Original AVM Value** | **Mortgage Original Appraisal Comments - 2** | **Mortgage Original Appraisal Company - 2** | **Mortgage Original Appraised Property Value - 2** | **Mortgage Original Appraiser License Number - 2** | **Mortgage Original Appraiser Name - 2** | **Mortgage Original Appraisal Valuation Date - 2** | **Mortgage Original Appraisal Valuation Type - 2** | **Mortgage Original AVM Model - 2** | **Mortgage Original AVM Confidence Score - 2** | **Mortgage Original AVM Value - 2** | **Refinance Recent Purchase Price** | **Mortgage Original HLTV** | **Mortgage Original LTV** | **Mortgage Original Note Interest Rate** | **Mortgage Original Payment Amount Due** | **Mortgage Original Payment Other Amount Due** | **Mortgage Original Payment Taxes & Insurance** | **Mortgage Original Pledged Assets** | **Mortgage Original Term To Maturity** | **Mortgage Origination Channel** | **Mortgage Origination Date** | **Mortgage Originator Documentation Type** | **Mortgage Originator DTI Back** | **Mortgage Originator DTI Front** | **Mortgage Percentage Of Down Payment From Borrower Own Funds** | **Mortgage Prepayment Penalty Flag** | **Mortgage Prepayment Penalty Calculation** | **Note Prepayment Penalty UPB Threshold Used** | **Mortgage Prepayment Penalty Hard Term** | **Mortgage Prepayment Penalty Total Term** | **Mortgage Prepayment Penalty Type** | **Mortgage Product Type** | **Mortgage Property Type** | **Number of Units** | **Mortgage Property Value Original** | **Mortgage Property Value Most Recent** | **Mortgage Property Value Date Most Recent** | **Mortgage Property Value Type Most Recent** | **Mortgage Sales Price** | **Mortgage ACH / AutoPay Flag** | **Mortgage Subject Property Address** | **Mortgage Subject Property City** | **Mortgage Subject Property State** | **Mortgage Subject Property Zip** | **Mortgage Total Number Of Borrowers** | **Mortgage Total Origination And Discount Points** | **Mortgage Senior Lien Loan Amount** | **Mortgage HELOC Draw Period** | **Mortgage Senior Lien Loan Type** | **Mortgage Senior Lien Hybrid Period** | **Mortgage Senior Lien NegAm Limit** | **Mortgage Senior Lien Origination Date** | **Mortgage Underwriting Exception Flag** | **MOM Flag** | **MERSLoanID** | **Modification Flag** | **Modification Date** | **Modification Type** | **Modification Trial Start Date** | **Modification Effective Payment Date** | **Modification Forgiven Interest Amount** | **Modification Forgiven Principal Amount** | **Mortgage Modification Total Capitalized Amount** | **Mortgage Modification Total Deferred Amount** | **Number Of Modifications** | **Mortgage Modification Updated DTI Back** | **Mortgage Modification Updated DTI Front** | **Pre-Modification I/O Term** | **Pre-Modification Initial Interest Rate Change Downward Cap** | **Pre-Modification Interest (Note) Rate** | **Pre-Modification Next Interest Rate Change Date** | **Pre-Modification P&I Payment** | **Pre-Modification Subsequent Interest Rate Cap** | **Application Date** | **Represented Loan Designation** | **Loan Designation** | **Safe Harbor** | **Overall Loan Grade** | **Flood Zone Designation** | **Flood Coverage Amount** | **Flood Policy Effective Date** | **Flood Expiration Date** | **Flood Policy #** | **Flood Coverage Indicator** | **Flood Payment Type** | **Flood Lender Placed** | **Co-Borrower 3 Name: First** | **Co-Borrower 3 Name: Last** | **Co-Borrower 3 Asset Verification** | **Co-Borrower 3 Employment Description** | **Co-Borrower 3 Employment Indicator** | **Co-Borrower 3 Employment Length** | **Co-Borrower 3 Employment Verification** | **Co-Borrower 3 Self-Employment Flag** | **Co-Borrower 3 FICO: Original** | **Co-Borrower 3 FICO: Equifax Original** | **Co-Borrower 3 FICO: Experian Original** | **Co-Borrower 3 FICO: Trans Union Original** | **Co-Borrower 3 Income Wage** | **Co-Borrower 3 Income Other** | **Co-Borrower 3 Income Total** | **Co-Borrower 3 Income Verification Level** | **Co-Borrower 3 Social Security Number** | **Co-Borrower 3 Foreign National Indicator** | **Co-Borrower 4 Name: First** | **Co-Borrower 4 Name: Last** | **Co-Borrower 4 Asset Verification** | **Co-Borrower 4 Self-Employment Flag** | **Co-Borrower 4 Employment Description** | **Co-Borrower 4 Employment Indicator** | **Co-Borrower 4 Employment Length** | **Co-Borrower 4 Employment Verification** | **Co-Borrower 4 FICO: Original** | **Co-Borrower 4 FICO: Equifax Original** | **Co-Borrower 4 FICO: Experian Original** | **Co-Borrower 4 FICO: Trans Union Original** | **Co-Borrower 4 Income Wage** | **Co-Borrower 4 Income Other** | **Co-Borrower 4 Income Total** | **Co-Borrower 4 Income Verification Level** | **Co-Borrower 4 Social Security Number** | **Co-Borrower 4 Foreign National Indicator** | **GSE Eligible Flag** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Residual Income** | **Benchmark Rate** | **ATR/QM Total Points and Fees Audit** | **Universal Loan ID** | **Shared Appreciation Percentage** | **Non-QM Reason** | **TPOL Issuer** | **Settlement Agent Name** | **Settlement Agent Address** | **Settlement Agent Business Phone** | **Settlement Agent Email** | **Guideline Name** | **AUS Decision System** | **Rating Result** | **DSCR Calculation Method** | **DSCR Rental Income** | **DSCR Rental Income Source** | **Actual In Place Rent** | **Estimated Market Rent** | **Appraisal Occupancy** | **Reason for Vacancy** | **Cross Collat Flag** | **Cross Collat Number of Properties** | **Short Term Rental Flag** | **DSCR at Orign** | **PITIA** | **Orign PITIA** | **Orign Tax Pmt** | **Orign Hazard Pmt** | **Orign HOA Pmt** | **DSCR Income Qualified** | **DSCR Debt Qualified** | **Personal Guarantee Flag** | **Guaranteed Percentage** | **Primary Borrower Type** | **Vested Business Entity Name** | **ITIN Flag** | **Property Lease Flag** | **HELOC Flag** | **HELOC Status** | **HELOC Program** | **HELOC Draw Flag** | **HELOC Line Frozen Flag** | **HELOC Line Frozen Type** | **HELOC Line Frozen Reason** | **HELOC Rem Draw Term** | **HELOC Orign Drawn Term** | **HELOC Rem Available Draw** | **HELOC Draw Expiry Date** | **HELOC Limit** | **Orign HELOC Limit** | **HELOC Max Utilization Rate** | **HELOC Most Recent Draw Date** | **HELOC Most Recent Draw Amount** | **HELOC Fixed Rate Loan Option Flag** | **LTV** | **Combined LTV** | **Orign LTV** | **Orign Combined LTV** | **Orign Drawn LTV** | **Orign Drawn Combined LTV** | **Drawn LTV** | **Drawn Combined LTV** | **HELOC Minimum Advance** | **Senior Loan Prin Bal** | **Buydown Active Flag** | **Buydown Term** | **Buydown Frequency** | **Buydown Contributor** | **Buydown Increase Rate** | **Buydown Initial Discount** | **Borrower Mortgage Rate** |
| 1880398 | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | Single Family Detached | 1 | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | Vacant |  | 0 |  | 0 | 1.33 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | LLC | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| 1973169 | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.67 | 0.67 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | Condominium | 1 | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | X |  |  |  |  |  |  |  | XXX | XXX | 4 |  | Not Applicable |  | 1 | 99 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | Vacant |  | 0 |  | 0 | 1.13 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| 1973143 | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 9 | DSCR | XX/XX/XXXX | 0 | 3 |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.72 | 0.72 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  | 36 | 36 | 1 | 30 Year Fixed | Single Family Detached | 1 | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | Tenant | N/A | 0 |  | 0 | 1.38 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | LLC | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |

---

## Exhibit 99.27

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 1880398 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1973169 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1973143 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |

---

## Exhibit 99.28

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1880398 | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 1.74% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 1973169 | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 1973143 | XXX |  | XX/XX/XXXX | XXX |  |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.02% | 72.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |

---

## Exhibit 99.29

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1973169 | XXX |  | DSCR | 1.13 | 1.27 | Breakdown as follows: $XXX income/ $XXX P&I + $XXX insurance + $XXX taxes |

---

## Exhibit 99.30

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.30**

![](ex9930001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

EFMT 2025-NQM2

Dated: May 28, 2025

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

![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 205 loans, including 151 Residential and 54 Business Purpose Loans totaling an aggregate original principal balance of approximately $108,115,736.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings Inc and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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|:---|:---|
| ![](ex9930003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

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| ![](ex9930003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

*Property Income*

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

*Employment and Income:* 

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

*Valuation Review*

Evolve's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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| ![](ex9930003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

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

*Insurance*

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

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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| ![](ex9930003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;149 | &nbsp;&nbsp;72.68% | &nbsp;&nbsp;149 | &nbsp;&nbsp;72.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;54 | &nbsp;&nbsp;26.34% | &nbsp;&nbsp;54 | &nbsp;&nbsp;26.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;120 | &nbsp;&nbsp;58.54% | &nbsp;&nbsp;120 | &nbsp;&nbsp;58.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;41.46% | &nbsp;&nbsp;85 | &nbsp;&nbsp;41.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;203 | &nbsp;&nbsp;99.02% | &nbsp;&nbsp;203 | &nbsp;&nbsp;99.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** |

---

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| ![](ex9930003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;120 | &nbsp;&nbsp;58.54% | &nbsp;&nbsp;120 | &nbsp;&nbsp;58.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;41.46% | &nbsp;&nbsp;85 | &nbsp;&nbsp;41.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**205** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;205 | &nbsp;&nbsp;2.93% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;142 | &nbsp;&nbsp;205 | &nbsp;&nbsp;69.27% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;9 | &nbsp;&nbsp;205 | &nbsp;&nbsp;4.39% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;9 | &nbsp;&nbsp;205 | &nbsp;&nbsp;4.39% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;12 | &nbsp;&nbsp;205 | &nbsp;&nbsp;5.85% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;205 | &nbsp;&nbsp;4.39% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;56 | &nbsp;&nbsp;205 | &nbsp;&nbsp;27.32% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;6 | &nbsp;&nbsp;205 | &nbsp;&nbsp;2.93% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;19 | &nbsp;&nbsp;205 | &nbsp;&nbsp;9.27% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;62 | &nbsp;&nbsp;205 | &nbsp;&nbsp;30.24% |

---

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| ![](ex9930003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](ex9930002.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of
 application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

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

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

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

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## Exhibit 99.31

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.31**

![](evolve.jpg)

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| **Rating Agency Grades** |
| **Run Date - 05/28/2025 2:03:42 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1431768 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1633699 | XXXX | XXXX | XXXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1640081 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640082 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1633702 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1631547 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1633706 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1633707 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1631553 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1631592 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1633726 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1633637 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1631598 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1633735 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1633737 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1633762 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1633777 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1633781 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1633803 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640083 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640084 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1633660 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1633834 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1633837 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1640085 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640086 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640087 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640088 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640089 | XXXX | XXXX | XXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640090 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640091 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640092 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640093 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640094 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640095 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640096 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640097 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640098 | XXXX | XXXX | XXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640099 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640100 | XXXX | XXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640101 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640102 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640103 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1640104 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1640105 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640106 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640107 | XXXX | XXXX | XXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1640108 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640109 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640110 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640111 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640112 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640113 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1640114 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640115 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640635 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1640116 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640117 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640118 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640119 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640120 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640121 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640122 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640123 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640124 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1640125 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640126 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640127 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640128 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640129 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640543 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640131 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640132 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640133 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640134 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640135 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1640136 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640137 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640138 | XXXX | XXXX | XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1640139 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640140 | XXXX | XXXX | XXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1640141 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640142 | XXXX | XXXX | XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1640143 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640144 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640145 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1640146 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640147 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640148 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640149 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640150 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640151 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640152 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640153 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640154 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640155 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640156 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640157 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640158 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640159 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640160 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640161 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640162 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1640163 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640164 | XXXX | XXXX | XXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1640165 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640166 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640167 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640168 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640169 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640170 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640171 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640172 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640173 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640174 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640175 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640176 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640177 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640178 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640179 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640180 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1640181 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1640182 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640183 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640184 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640185 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640186 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640187 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640188 | XXXX | XXXX | XXXX C | D | D | D | D | D A | A | A | A | A | A |
| 1640189 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640190 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640191 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640192 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640193 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640194 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640195 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640196 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640197 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640198 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640199 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1640200 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640201 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1640202 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640203 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640204 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640205 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640206 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640207 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640208 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640209 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640210 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640211 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640212 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640213 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640214 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640215 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640216 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640217 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640218 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640219 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640220 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640221 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640222 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640223 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640224 | XXXX | XXXX | XXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640225 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640226 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640227 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640228 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640229 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1640230 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640231 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1640232 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640233 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640234 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1640235 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640236 | XXXX | XXXX | XXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640237 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640238 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640239 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1640240 | XXXX | XXXX | XXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 1640241 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640700 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640242 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640243 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640244 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640245 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640246 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640247 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640248 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640249 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640250 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640251 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640252 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640253 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1640254 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640255 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640256 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640257 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1640258 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1640259 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640260 | XXXX | XXXX | XXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1640261 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1640262 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1640263 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.32

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.32**

![](evolve.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 05/28/2025 2:03:42 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1431768 | XXXX | XXXX | 6950863 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception XX% XXX as borrower is XXXXX time homebuyer with no housing history, lives rent free |  | exception granted: over XX% XXX, XXXXX time homebuyers, with $XX,XXX reserves. XX business for X years as XXXX XXX. XXXX XXXX in business for X years |  |  |  | 09/09/2022 B | 2 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6951027 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Borrower XXXX XXXXX XXXX to supply satisfactory XXXX XXXXX | received |  |  | 10/27/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6951028 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Borrower XXXX XXXXX to supply satisfactory XXXX XXXXX | received |  |  | 10/27/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6951044 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | X months reserves to be documented for XX days within XX days of closing X/XX | received |  |  | 12/06/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6947795 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | information provided |  |  | 01/26/2023 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 7058841 | 1061 | XXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  |  |  |  |  |  | 02/01/2023 B | 2 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1631547 | XXXXXX | XXXXXX | 7127335 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower FICO 653 does not meet minimum FICO 660 for cash out refinance |  | Exception granted: Low LTV of 33% well below maximum LTV of 75%, All consumer credit paid as agreed, Stable employment likely to continue, as Borrower has been on her current job for 2.7 years, Residual income $2500 |  |  |  | 12/04/2024 B | 2 | XXXX | MA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1631547 | XXXXXX | XXXXXX | 7127336 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower does not have payment history for primary residence |  | Exception granted: Low LTV of 33% well below maximum of 75%, All consumer credit paid as agreed, Stable employment likely to continue as Borrower has been on her current job 2.7 years, Residual income $2500 |  |  |  | 12/04/2024 B | 2 | XXXX | MA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1631553 | XXXXXX | XXXXXX | 7127345 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required to allow for a mixed use property. |  | Compensating Factors: Stable residence (10 yrs.); Stable self-employment (since 1965); good residual income ($14K+). |  |  |  | 12/04/2024 B | 2 | XXXX | RI | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1631592 | XXXXXX | XXXXXX | 7127419 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Senior Management Approval for being an ITIN transaction. Please provide Senior Management Approval. | received Sr management approval for ITIN loan/ Compensating Factors - LTV 50%, seasoned homeowner, no derogatory, score 707, reserves $168K |  |  | 12/23/2024 |  | A | 1 | XXXX | IL | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1631598 | XXXXXX | XXXXXX | 7127303 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural property requires management approval. |  | Compensating Factors: In file since 2006; Assets after close $57,210; Residual $14910; good job time and residence time; good mortgage history. |  |  |  | 12/06/2024 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633637 | XXXXXX | XXXXXX | 7131087 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Updated 1003/clarification required. The 1003 reflects Borrower is unmarried; however, LOE in file states husband pays the GM account. If Borrower recently divorced? Decree may be required. | Received LOE/ payor is ex-boyfriend. Account is joint and payor has provided 24 months payments made to GM |  | Client 01/14/2025 03:19 PM; Hi, borrower is not married and has not been married. XXXX document stating the husband makes the payment is labeled incorrectly, it is another party making the payments, not her husband. XXXX<br>Reviewer 01/15/2025 11:19 AM; Provide updated XXXX identifying relationship of persona paying XXX account if not husband as originally stated.<br>Reviewer 01/15/2025 11:19 AM; Provide updated XXXX identifying relationship of persona paying XXX account if not husband as originally stated.<br>Reviewer 01/15/2025 11:19 AM; Provide updated XXXX identifying relationship of persona paying XXX account if not husband as originally stated.<br>| 02/03/2025 |  | A | 1 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633637 | XXXXXX | XXXXXX | 7131088 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | All rural properties require Senior Management approval. |  | Compensating Factors: 2 mortgages paid AA; credit reporting for 10+ years with 0 lates; putting down $153k of own funds. |  |  |  | 12/11/2024 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633660 | XXXXXX | XXXXXX | 7131127 | 205 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | XXXX XXXXX XXXXXX did not reflect the unit number as part of the subject property address. XXXX evidence property address unit is covered. | Information provided |  | Client 02/19/2025 10:52 AM; Hi, the subject address property address and unit number appearing on the master policy is requested, but not required at the underwriter's discretion. XXXX<br>Reviewer 02/19/2025 11:09 AM; <br>Reviewer 02/19/2025 12:25 PM; Hello <br> XXXXX has been waived. <br>XXXX<br>| 02/20/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1633660 | XXXXXX | XXXXXX | 7131129 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXX schedule | REO XXXXX provided. |  |  | 02/19/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1633660 | XXXXXX | XXXXXX | 7131130 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX evidence mortgage with XXXXXX includes escrows for primary residence at XXXXX XXXXX XXXXX with XXXX monthly of XXXX for total housing XXXX | Mortgage statement provided. |  |  | 02/19/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1633660 | XXXXXX | XXXXXX | 7131131 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX evidence mortgage with XXXX bankxXXXX XXXXX includes escrows for second home at XXXX XXXXX XXXXX with XXXX monthly of XXXX for total housing XXXX | HOI, XXXX bill, XXXX XXXXX and mortgage statement provided. |  |  | 02/19/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1633706 | XXXXXX | XXXXXX | 7131999 | 386 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Documents Expired |  | XXXX XXXXX XXXXXX XXXXXX expires XXX days as of date of the loan closing. XXXX XXXX needed as date of XXXX is XXXX and XXXX XXXXX days | Received updated XXX |  |  | 02/13/2025 |  | A | 1 | XXXX | NC | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1633706 | XXXXXX | XXXXXX | 7132000 | 447 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | XXXXX provide current operating agreement verifying percentage of ownership and current business license verifying at least XX years self-employed. XXXXX is in lieu of XXXX XXXXX to identify the name of the business, the length of time in business (must be a minimum of XX years), and the current members/owners and their respective ownership percentages will be acceptable. XXXX operating agreement verifying percentage of ownership and current business license verifying at least XX years self-employed | Borrower is a self-employed eBay trader. XXX months XXXX statements show XXXX year self-employment and match XXXXX XXX eBay dashboard provided from borrower showing currently active. XXXX confirms borrower does business under their own name and therefore XXXXX owner. |  | Client 02/13/2025 05:51 PM; Borrower is a self employed eBay trader. XXX months XXXX statements show XXXX year self employment and match XXXXX XXX eBay dashboard provided from borrower showing currently active. XXXX confirms borrower does business under their own name and therefore XXXXX owner.<br>Reviewer 02/13/2025 06:28 PM; Condition has been reviewed. XXX<br>| 02/13/2025 |  | A | 1 | XXXX | NC | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1633706 | XXXXXX | XXXXXX | 7132001 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX for cash out on XXXX residence XXX |  | COMPENSATING XXXXX XXXXX residence XXXX years – no delinquency), stable self-employment XXXXX XXXX |  |  |  | 01/24/2025 B | 2 | XXXX | NC | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1633706 | XXXXXX | XXXXXX | 7132002 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX requirement to use cash out proceeds for reserves is XXXX XXXXX XXXXX XXXX |  | COMPENSATING XXXXX XXXXX residence XXXX years – no delinquency), stable self-employment XXXXX XXXX |  |  |  | 01/27/2025 B | 2 | XXXX | NC | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1633707 | XXXXXX | XXXXXX | 7132003 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Management approval required for borrower with zero mortgage history in the past 12 months as required per guidelines |  | Management approval in file. Compensating factors are 1) Home ownership since 2003 with a primary residence owned free and clear, 2) All consumer is paid as agreed with the exception of two 30 days late on 1 account from 9/2021 3) No outstanding other debt |  |  |  | 11/18/2024 B | 2 | XXXX | MI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633707 | XXXXXX | XXXXXX | 7132004 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Management approval required for a 2023 income tax extension |  | Management approval in file. Compensating factors are 1) Home ownership since 2003 with a primary residence owned free and clear, 2) All consumer is paid as agreed with the exception of two 30 days late on 1 account from 9/2021 3) No outstanding other debt |  |  |  | 11/18/2024 B | 2 | XXXX | MI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633707 | XXXXXX | XXXXXX | 7132005 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Management exception approval for post-closing PITI reserves of under 6 months for a loan amount under $1,5 million. Final verified assets are $58,610.33 comprised of $31,070.99 XXXX ($48,070.99 balance - $17,000.00 unsourced deposit 9/30/24) and $27,000.00 Gift Funds. Final CD requires cash to close of $51,412.78. Post-closing assets would be $7,197.55 which is the equivalent of 4.34 months which is short $2,746.43 in reserves to meet the guideline required six months reserves of $9,943.98 ($1,657.33 \* 6 months) | received management approval for reserves less than 6 months/ Compensating factors are 1) Home ownership since 2003 with a primary residence owned free and clear, 2) All consumer is paid as agreed with the exception of two 30 days late on 1 account from 9/2021 3) No outstanding other debt |  |  | 11/19/2024 |  | A | 1 | XXXX | MI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633735 | XXXXXX | XXXXXX | 7132076 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX history XXXXXXX XXXXX XXXX has approved no current mortgage history on the departing residence as the home is free and clear. |  | Compensating XXXXX XXXXX fico XXXX and co-borrower fico XXXX XXXXX depth over XXXXX credit history with no negative marks, departing residence is free and clear, low XXXX XXXXXX and meets reserve requirement with XXXXX left afterwards. |  |  |  | 12/18/2024 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633735 | XXXXXX | XXXXXX | 7132077 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX shock XXXXXXX XXXXX XXXX has approved the payment shock > XXXXX |  | Compensating XXXXX XXXXX fico XXXX and co-borrower fico XXXX XXXXX depth over XXXXX credit history with no negative marks, departing residence is free and clear, low XXXX XXXXXX and meets reserve requirement with XXXXX left afterwards. |  |  |  | 12/18/2024 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633737 | XXXXXX | XXXXXX | 7132084 | 846 | XXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need Home Loan Toolkit issued within 3 days of application date of 11/22. | Information provided |  |  | 12/17/2024 |  | A | 1 | XXXX | AZ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1633737 | XXXXXX | XXXXXX | 7132085 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Senior management approval required for any self-employment less than the required 2 years. |  | Received exception approval/ Compensating Factors - clean collateral, mortgage history AA for last 2 years, strong income, increasing and consistent. |  |  |  | 12/17/2024 B | 2 | XXXX | AZ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1633737 | XXXXXX | XXXXXX | 7132086 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum payment shock 2.5x when DTI is over 45%. Subject is at 48.345%. |  | Received exception approval/ Compensating Factors - clean collateral, mortgage history AA for last 2 years, strong income, increasing and consistent. |  |  |  | 12/17/2024 B | 2 | XXXX | AZ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1633737 | XXXXXX | XXXXXX | 7132087 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Trade equity - Gift of equity only allowed with relatives as donor. Subject loan included trade equity with a non-relative. |  | Received exception approval/ Compensating Factors - clean collateral, mortgage history AA for last 2 years, strong income, increasing and consistent. |  |  |  | 12/17/2024 B | 2 | XXXX | AZ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1633762 | XXXXXX | XXXXXX | 7132169 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXXX XXXXX XXX with a XXXX XXXXX is XXXX XXXX closed at XXXX XXXX with XXXXX XXXXX XXXXX | Sr XXXXX approval received for XXXX XXXX with XXXX score/ XXXXX XXXX - residual income XXXX reserves XXXX |  | Client 01/16/2025 06:02 PM; Unclear regarding the finding. XXXXX has a XXXXX of XXXXX which is higher than XXXX from the guideline. XXXXX provide additional clarity. XXXX you. <br>Reviewer 01/17/2025 09:08 AM; Exception needed for XXXX XXXX for a borrower with XXXXX of XXXXX where the max is XXXX per guidelines<br>| 01/21/2025 |  | A | 1 | XXXX | CT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1633777 | XXXXXX | XXXXXX | 7132203 | 322 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXXX does not meet the minimum XXXXX of XXXX for XXXX XXXX program. |  | The below minimum score exception was granted for the XXXXX score of XXXX below XXXX required with the following compensating factors: XXXXX XXXXX XXXXX XXXX risk XXXX of XXXXX XXXXX of over XXXX reserves after closing. |  |  |  | 01/03/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633781 | XXXXXX | XXXXXX | 7132220 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX XXXXX approval required for XXXXX XXXXX | loan approval include XXXXX pricing adjustment and second sign manager approval dated XXXXX |  | Reviewer 01/24/2025 08:49 AM; Received approval. did not see any mention of XXX XXXXX approval for XXXXX borrower<br>Client 01/24/2025 06:14 PM; ITIN borrower noted on approval. XXXXX approval second signed by a member of senior management. XXX have senior management approval for XXXXX XXXXX XXXX you. <br>Reviewer 01/27/2025 10:36 AM; condition cleared<br>| 01/27/2025 |  | A | 1 | XXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1633781 | XXXXXX | XXXXXX | 7132221 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX of residency for XXXXX XXXX not met. XXXXX evidence of unexpired government XXXX XX | Received XXXXX and residency |  |  | 01/24/2025 |  | A | 1 | XXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1633781 | XXXXXX | XXXXXX | 7132223 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX satisfactory copy of XXXXX XXXXX XXXX statement used in XXXX statement worksheet | Received approval to use XXX months |  |  | 01/24/2025 |  | A | 1 | XXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1633781 | XXXXXX | XXXXXX | 7132224 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX missing, supply satisfactory evidence of verbal verification of employment dated XXX days before closing XXXXX | received XXX day XXXX |  |  | 01/21/2025 |  | A | 1 | XXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1633803 | XXXXXX | XXXXXX | 7132254 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX exception approval for payment shock over XXXX for XXXX under XXXXX |  | Approval granted for payment shock over XXXX XXXXX factors are XXXX XXX years self-employment XXXX perfect credit history XXXX low XXXX XXX note, the exception is based on a payment shock of XXXX new XXXXX / XXXX taxes & insurance = XXXX XXXXX the primary residence has a private mortgage which has a monthly payment of XXXXXX XXXX true payment shock is XXXX XXX + XXXX taxes & insurance = XXXX / XXXX new XXXXX = XXXXX XXX exception would not be required. |  |  |  | 01/18/2025 B | 2 | XXXX | OR | 1 | 13 C B | A | A C |  | Non-QM | 1 |
| 1633803 | XXXXXX | XXXXXX | 7132255 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX management approval required for all XXXX properties. | Received XXXXX approval for XXXX property/ XXXXX XXXX - XXXX XXXXX residual income XXXX XXXXX XXXXX XXXXX |  |  | 01/22/2025 |  | A | 1 | XXXX | OR | 1 | 13 C B | A | A C |  | Non-QM | 1 |
| 1633699 | XXXXXX | XXXXXX | 7139674 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Closing Disclosure for bridge loan secured with property at 28803 Hampton Place | received bridge CD |  |  | 11/20/2024 |  | A | 1 | XXXX | DC | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1633699 | XXXXXX | XXXXXX | 7139675 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum loan amount per guidelines is $1,500,000. Subject loan is $XXXX. |  | Compensating Factors: assets after close are $3,108,960; guidelines require residual income of $1,500, borrower has residual income of $31,910; borrower ha sbeen at current residence for 10 years |  |  |  | 11/20/2024 B | 2 | XXXX | DC | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1633699 | XXXXXX | XXXXXX | 7139676 | 270 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | Guidelines require a second appraisal for loan amounts over 1.5M. Missing second appraisal. | received 2nd appralsal |  |  | 11/21/2024 |  | A | 1 | XXXX | DC | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1633699 | XXXXXX | XXXXXX | 7139677 | 433 | XXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Bridge loan for departing residence was provided and reflected $0 funds back to the borrower. Total assets of $367,666.53 were provided. Funds to closing in the amount of $1,122,804.59 were required. | received $1,073,500 wired to closing from bridge loan on departing residence. |  |  | 11/21/2024 |  | A | 1 | XXXX | DC | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1633837 | XXXXXX | XXXXXX | 7132323 | 901 | XXXX | Compliance | Compliance |  | Compliance - TRID Other |  | XXXX initial disclosures dated within XX days of application date of XXXXX | Information provided |  |  | 02/07/2025 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1633837 | XXXXXX | XXXXXX | 7132324 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/07/2025 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1633837 | XXXXXX | XXXXXX | 7132326 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX approval to fund with a satisfactory disaster inspection. | Management approved funding with satisfactory disaster inspection report. |  |  | 02/06/2025 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640081 | XXXXXX | XXXXXX | 7140446 | 270 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXXXX require a XXXX appraisal for loans over XXXX XXXX loan is XXXX XXX email was provided requesting an exception to use just one appraisal but no exception was provided. |  | Compensating XXXXX XXX file since XXXX XXXXX after XXXX XXXXXX XXXXX investor; good residence time XXXXX years), and good mortgage history. |  |  |  | 02/12/2025 B | 2 | XXXX | HI | 2 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1640081 | XXXXXX | XXXXXX | 7140447 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXX insurance XXXX of purchase XXXXX. |  | Compensating XXXXX XXX file since XXXX XXXXX after XXXX XXXXXX XXXXX investor; good residence time XXXXX years), and good mortgage history. |  |  |  | 02/12/2025 B | 2 | XXXX | HI | 2 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1640082 | XXXXXX | XXXXXX | 7140448 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX pay shock is XXXXXX shock is greater than XXXXX |  | Compensating XXXXX file since XXXX over XXXX million in assets after close, residual income XXXXX XXXX fico score, good residence time and good mortgage history. |  |  |  | 03/31/2025 B | 2 | XXXX | WA | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640082 | XXXXXX | XXXXXX | 7140449 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval required for loan amount. XXXX XXXXX amount is over XXXXX million |  | Compensating XXXXX file since XXXX over XXXX million in assets after close, residual income XXXXX XXXX fico score, good residence time and good mortgage history. |  |  |  | 03/31/2025 B | 2 | XXXX | WA | 1 | 13 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640083 | XXXXXX | XXXXXX | 7140450 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXX XXXXX approval for XXXX XXXXX XXXX with no housing history. |  | Compensating factors: XXXXX XXXX above minimum requirement of XXXX credit depth of XXX years. XXXX XXXXX well below max of XXXX XXXXX residual income of XXXXXXXX |  |  |  | 04/07/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140451 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXX less than XXXX for cashout refinance, less than XXXX for XXXX statement program, and less than XXXX to use cash out for reserves. |  | Exception granted: XXXXX XXXXX employment history, job time indicates stability and a likeliness to continue income flow, XXXXX cash reserve level, XXXX ownership |  |  |  | 03/05/2025 B | 2 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140452 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX loans are not allowed in the XXXXX XXXXX program |  | Exception granted: XXXXX XXXXX employment history, job time indicates stability and a likeliness to continue income flow, XXXXX cash reserve level, XXXX ownership |  |  |  | 03/05/2025 B | 2 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140453 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXX XXXXX approval to extend credit for additional XXX days from XXX to XXX to be noted on final loan approval |  | Exception granted: XXXXX XXXXX employment history, job time indicates stability and a likeliness to continue income flow, XXXXX cash reserve level, XXXX ownership |  |  |  | 03/06/2025 B | 2 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140455 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX verbal verification of employment | Received XXXX |  |  | 03/05/2025 |  | A | 1 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640085 | XXXXXX | XXXXXX | 7140460 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX of XXXX license | received XXXX license |  |  | 04/01/2025 |  | A | 1 | XXXX | OH | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640086 | XXXXXX | XXXXXX | 7140461 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX satisfactory evidence of XXXX monthly for XXXX on second home located at XXXXX XX XXXX XXXXX | Received XXXX amount is within tolerance |  |  | 03/11/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640086 | XXXXXX | XXXXXX | 7140462 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX satisfactory evidence of XXXXX monthly for XXXX on second home located at XXXX XX XXXX XXXX | Received XXXX amount is within tolerance |  |  | 03/11/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140465 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX XXXXX XXXXX mtg with XXX xXXXX XXXXX includes XXXXX and XXXX XXXXX monthly, | received mortgage statement including escrows. XXXXX is XXXX no XXX |  |  | 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140466 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXX XXXX (investment) XXXX XXX xXXXX XXXXX includes escrows, and XXXX XXXXX monthly | received XXXX no XXXX for property per red fin |  |  | 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140467 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXX XXX (investment) XXXX with XXXXX XXXXX includes escrows, and XXXX of XXXXX monthly | Received tax information. |  | Reviewer 02/12/2025 11:02 AM; Received XXX statement XXXX XXXX and XXXX not receive tax info for XXXXX XXXXX<br>| 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140468 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XX XXXXX XXXXX XXXX (investment) is free & clear with XXXX of XXXXX monthly | HOA verified at XXXXX XXXXX XXX |  |  | 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140469 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXX (investment) XXXX XXXXX includes escrows and XXXX of XXXX monthly | Received mortgage statement XXXX and XXXX and XXXX = XXXX + XXXX = XXXXX |  |  | 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140470 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX evidence borrower owns XXXXX of XXXX XXXXX used in repayment | LLC-XX and XXXX XXXXX directory in file reflects borrower as sole owner. |  | Client 02/12/2025 11:34 AM; LLC-XX and XXXX XXXXX directory in file reflects borrower as sole owner. XXXX you. <br>Reviewer 02/12/2025 11:43 AM; Condition has been reviewed. XXX<br>| 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640088 | XXXXXX | XXXXXX | 7140471 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX schedule required | REO schedule provided |  |  | 02/12/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640089 | XXXXXX | XXXXXX | 7140473 | 184 | XXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | XXXX property address on the XXXX XXXX was missing the unit number. XXXX that includes unit number. | Information provided |  |  | 03/10/2025 |  | A | 1 | XXXX | UT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640089 | XXXXXX | XXXXXX | 7140474 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX appraisal is missing from the loan file, as required on loan amounts over XXXX million. XXXX credit review is on hold until documents are received. |  |  |  | 03/06/2025 |  | A | 1 | XXXX | UT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640090 | XXXXXX | XXXXXX | 7140092 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX evidence XXXXX with XXXXX XXXXX xXXXX XXXXX monthly includes taxes and insurance for primary home at XXXXX with no XXXX dues | LOE, XXXX report, payment history, and XXXXX report and XXXX provided. |  |  | 03/04/2025 |  | A | 1 | XXXX | TN | 2 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640090 | XXXXXX | XXXXXX | 7140093 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of association with property located at XXXXX XXXXX XXXX XXX noted as investment | SiteX report, payment history, and XXXXX report and XXXX stating the property is a XXXXX with no XXXX provided. |  |  | 03/04/2025 |  | A | 1 | XXXX | TN | 2 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640090 | XXXXXX | XXXXXX | 7140094 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX supporting neg rents of XXXXX | REO schedule provided. |  |  | 03/04/2025 |  | A | 1 | XXXX | TN | 2 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640090 | XXXXXX | XXXXXX | 7140095 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX documentation supporting negative rents of XXXXX | information provided and accepted |  | Client 03/04/2025 03:37 PM; Hi, documentation has been uploaded. XXXX<br>Reviewer 03/04/2025 06:45 PM; Condition has been reviewed. XXX<br>| 03/04/2025 |  | A | 1 | XXXX | TN | 2 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640090 | XXXXXX | XXXXXX | 7140096 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX XXXX management approval |  | Exception granted: XXX file since XXXXX XXXXX after close XXXXX XXXXX XXXXX good job time, rood residence time, good mortgage history |  |  |  | 03/04/2025 B | 2 | XXXX | TN | 2 | 3 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640094 | XXXXXX | XXXXXX | 7140964 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX appraisal is missing from the loan file. XXXX credit review is on hold until documents are received. | The XXXX appraisal was provided |  |  | 03/11/2025 |  | A | 1 | XXXX | AZ | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1640094 | XXXXXX | XXXXXX | 7140965 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. |  |  |  | 03/11/2025 |  | A | 1 | XXXX | AZ | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1640094 | XXXXXX | XXXXXX | 7140966 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX maximum loan amount of XXXX million. XXXX loans greater than XXXX million requires XXXXX XXXXX approval. XXXX XXXXX XXXXX amount is XXXXX |  | Compensating XXXXXXX credit, no derogatory credit on credit report. XXXXX employer history, job time indicates stability and a likelihood of continued income flow. XXXX XXXX for loan program, XXXX XXXXX score. |  |  |  | 03/12/2025 B | 2 | XXXX | AZ | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1640095 | XXXXXX | XXXXXX | 7140101 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX XXXXX score required for XXXXX XXXX statement. XXXX XXXXXXX has a XXXX credit score. |  | Compensating XXXX XXXXX XXXX collateral in a desirable area in XXXX XXXXX XXXX residual income. |  |  |  | 03/18/2025 B | 2 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640095 | XXXXXX | XXXXXX | 7140102 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX score is required for cash-out. XXXX XXXXXXX has a XXXXX score. |  | Compensating XXXX XXXXX XXXX collateral in a desirable area in XXXX XXXXX XXXX residual income. |  |  |  | 03/18/2025 B | 2 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640097 | XXXXXX | XXXXXX | 7140103 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for a borrower with less than XX active tradelines for XX years. |  | XXXXX factors are XXXX XXXXX term self-employment XXXX yrs) XXXXX XXXX XXX derogatory payments since XXXXX and XXXX XXXXX |  |  |  | 03/12/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640097 | XXXXXX | XXXXXX | 7140104 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required due to the lack of a housing history for the past XXX months. XXXXX was living with family. |  | XXXXX factors are XXXX XXXXX term self-employment XXXX yrs) XXXXX XXXX XXX derogatory payments since XXXXX and XXXX XXXXX |  |  |  | 03/12/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640101 | XXXXXX | XXXXXX | 7140118 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXX is XXXX XXX XXXX exception approved by management. |  | Compensating XXXXX XXXXX homeowner and investor. XXXX mortgage payment history. |  |  |  | 04/03/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1640101 | XXXXXX | XXXXXX | 7140119 | 381 | XXXX | Credit | UW Other |  | UW Other - UW - Updated Review required |  | XX months reserves are required in the amount of XXXXXXX XXXX reserves verified in the amount of XXXXX |  | Exception approval received for low reserves/ XXXXX factors - XXXXX homeowner and investor/ excellent mortgage history, score XXX |  |  |  | 04/05/2025 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1640102 | XXXXXX | XXXXXX | 7140120 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXXX exchange documentation including final XXX from selling property, intermediary company and intermediary documents including balance for transfer, as required by the guidelines. XXXX credit review is on hold until documents are received. | CD in loan file, XXXXX docs in loan file |  |  | 03/11/2025 |  | A | 1 | XXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1640103 | XXXXXX | XXXXXX | 7140122 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/14/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640103 | XXXXXX | XXXXXX | 7140123 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until received. |  |  |  | 03/10/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640103 | XXXXXX | XXXXXX | 7140124 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require XXXX for asset depletion; borrower asset depletion XXXXX |  | Compensating factors; XXXX credit score, low XXXX XXXXX XXXX homeowner owned current primary for over XX years, and owns XX rental properties. |  |  |  | 03/11/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640103 | XXXXXX | XXXXXX | 7140125 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines XXXXX XXXXX is not a depletion-valid type of asset; allow borrower to use XXXX of remaining equity in current residence after bridge loan. |  | Compensating factors; XXXX credit score, low XXXX XXXXX XXXX homeowner owned current primary for over XX years, and owns XX rental properties. |  |  |  | 03/11/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640103 | XXXXXX | XXXXXX | 7140126 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock is XXXXX with XXXX is over XXXXX borrower payment shock over XXXX due to XXXX departing residence. |  | Compensating factors; XXXX credit score, low XXXX XXXXX XXXX homeowner owned current primary for over XX years, and owns XX rental properties. |  |  |  | 03/11/2025 B | 2 | XXXX | NV | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640104 | XXXXXX | XXXXXX | 7140132 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX is missing from this file for borrower X | Received XXXX |  |  | 03/06/2025 |  | A | 1 | XXXX | MO | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640105 | XXXXXX | XXXXXX | 7140134 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX appraisal is missing from the loan file. XXXX credit review is on hold until documents are received. | Appraisal provided |  |  | 03/18/2025 |  | A | 1 | XXXX | MA | 2 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640106 | XXXXXX | XXXXXX | 7140135 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 03/17/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640106 | XXXXXX | XXXXXX | 7140136 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require senior management approval for XXXX > XXXX when using a majority of the income to qualify if XXXX XXXXX XXXX XXXX is XXXXX and each borrower is using only XXXX and XXXXX XXXXX income to qualify. |  | Compensating XXXXX for program XXXX ; XXXX credit depth of XXX years; good credit; XXXX ownership of departure residence, XXX yrs. |  |  |  | 03/17/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640106 | XXXXXX | XXXXXX | 7140137 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX file is missing verification (credit supplement or recent monthly statement) of the revolving debt XXXXX XXXXX having a payment amount of XXXXX and a balance of XXXX as stated on the XXXX XXXXX XXXXXX XXXXX XXXX and credit report reflects a payment of XXXX and a balance of XXXX XXXX lower payment amount of XXXXX is required to keep the XXXX below XXXXX | received evidence of XXXXX mo payment |  |  | 03/18/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140967 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require XX months receipt of XXXXX XXXXX income. XXXX to allow use of future note receivable income. |  | Compensating XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor |  |  |  | 03/05/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140968 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX shock XXXX or XXXX when XXXX is greater than XXXX is XXXX |  | Compensating XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor |  |  |  | 03/05/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140969 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX required XXXX XXXXX of XXXX XXXXX to use XXXXX |  | Compensating XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor |  |  |  | 03/05/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140970 | 378 | XXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXX updated loan application reflecting XXXX as XXXX owner of business. XXXX provided, XXXXX is only XXXX owner of business. | received XXXX |  |  | 03/13/2025 |  | A | 1 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140971 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXXX utilized for the XXXX XXXXX income was not signed. XXXX signed XXXXX XXXXX |  | Signed note received/ XXXXX exception approval to use the future note receivable income of XXXXX XXXXX XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor |  |  |  | 03/12/2025 B | 2 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640108 | XXXXXX | XXXXXX | 7140147 | 382 | XXXX | Credit | UW Other |  | UW Other - UW - HUD-1 to evidence source of funds |  | XXXX signed final closing disclosure for XXXXX loan. XXXXX in file is not signed. | received signed bridge loan with net XXXXX |  |  | 03/18/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640110 | XXXXXX | XXXXXX | 7140149 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX XXXXX is missing XXXX XXXXX for vesting in the name of a XXXXX | Guaranties provided signed separately by both members |  | Client 03/21/2025 04:52 PM; Legal approval reflected on loan details of the updated loan approval. XXXX you. <br>Reviewer 03/23/2025 03:40 PM; Condition has been reviewed. XXX<br>Reviewer 03/24/2025 08:46 AM; Legal approval reflected on loan details of the updated loan approval. XXXX not locate XXXX legal approval of vesting in the file<br>Reviewer 03/24/2025 04:57 PM; there should be an approval from XXXXX XXXXX XXXX allowing only XX of the business owners guaranteeing the loan.<br>Client 03/24/2025 06:48 PM; Both borrowers signed personal guaranty's. XXXX<br>Reviewer 03/25/2025 04:56 AM; Personal XXXXX contains only XXXX XXXX signature. XXXXX XXXXX signature is missing. XXXX <br>| 03/25/2025 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640111 | XXXXXX | XXXXXX | 7140154 | 319 | XXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXXX contribution of XXXXX exceeds closing costs XXXX |  | Compensating factors; XXXX ltv, XXXX fico, XXX XXX |  |  |  | 03/04/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640111 | XXXXXX | XXXXXX | 7140155 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX XXXXX and XXXXX XXXXX to correct subject XXXX XXXXX | information provided and accepted |  |  | 03/04/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640113 | XXXXXX | XXXXXX | 7140157 | 901 | XXXX | Compliance | Compliance |  | Compliance - TRID Other |  | XXXX XXXXX XXXXX XXXX | Information provided |  |  | 04/11/2025 |  | A | 1 | XXXX | NH | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640113 | XXXXXX | XXXXXX | 7140158 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/11/2025 |  | A | 1 | XXXX | NH | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640115 | XXXXXX | XXXXXX | 7140160 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require max payment shock is XXXXX when XXXX is over XXXXX borrower payment shock is over XXXXX |  | Compensating factors; low XXXX XXXXX excellent credit qualified score XXXXX XXX rent historyand over XXXXX in reserves. |  |  |  | 03/13/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640115 | XXXXXX | XXXXXX | 7140161 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require XXXX under XXX for XXXX borrower XXXX is XX |  | Compensating factors; low XXXX XXXXX excellent credit qualified score XXXXX XXX rent historyand over XXXXX in reserves. |  |  |  | 03/13/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640115 | XXXXXX | XXXXXX | 7140162 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require XXXX vesting should be a revocable trust; subject vesting in blind trust. |  | Compensating factors; low XXXX XXXXX excellent credit qualified score XXXXX XXX rent historyand over XXXXX in reserves. |  |  |  | 03/13/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640118 | XXXXXX | XXXXXX | 7140170 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXX XXXX // XXXX XXXX approved appraiser | received management approval to allow appraisal |  |  | 03/24/2025 |  | A | 1 | XXXX | GA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1640119 | XXXXXX | XXXXXX | 7140172 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX borrowers who own a home free and clear, payment shock is considered for reasonableness and should be reviewed by XXXXX management. XXXX XXXXXX shock of XXXXX subject property is free and clear. |  | Compensating XXXX XXXX for loan program, low debt ratio, high residual income, high cash reserves and XXXX fico score. |  |  |  | 04/21/2025 B | 2 | XXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640121 | XXXXXX | XXXXXX | 7140173 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines XXXX rental income from primary residence allowed; XXXX used XXXX of the current monthly income |  | Compensating factors; XXXX ltv XXXXX XXXX credit XXXX qualifying score, no derogatory credit, XXXX-time ownership. |  |  |  | 04/06/2025 B | 2 | XXXX | OR | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640121 | XXXXXX | XXXXXX | 7140174 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines minimum loan amount XXXXX subject is XXXXX |  | Compensating factors; XXXX ltv XXXXX XXXX credit XXXX qualifying score, no derogatory credit, XXXX-time ownership |  |  |  | 04/06/2025 B | 2 | XXXX | OR | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640124 | XXXXXX | XXXXXX | 7140175 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX tolerance violation of XXXXX due to increase in XXXX XXXXX fee with no valid coc. XXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Information provided |  | Reviewer 03/17/2025 10:36 AM; No documentation provided<br>| 03/24/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640124 | XXXXXX | XXXXXX | 7140176 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX exception approval for post-closing reserves of less than six months XXXX XXXXX reserves are XXXXX which are XXXX less than the required XXXXX XXXXXX | received approval with XXX discretion to use XX months reserves/ XXXXX XXXX - XXXXX income XXXXX reserves XXXX score XXXX & XXXXX XXXX XXX |  |  | 03/12/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640126 | XXXXXX | XXXXXX | 7140178 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final settlement statement from sale of home where the proceeds are being used to purchase the subject property. XXXX credit review is on hold until documents are received. |  |  |  | 03/11/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640126 | XXXXXX | XXXXXX | 7140179 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX delinquency history XXXXX XXXXX XXXX has approved having no recent mortgage historyy. XXXX prior mortgage history was paid as agreed. XXXX home is free and clear. |  | Compensating XXXXX XXXX fico score, mortgages paid as agreed, credit depth of XXX years, no late payments, low XXXX and good amount of reserves left after closing. |  |  |  | 03/12/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640127 | XXXXXX | XXXXXX | 7140182 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX expires XXXXX please provide updated policy for review. | Information provided |  |  | 05/02/2025 |  | A | 1 | XXXX | ME | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640127 | XXXXXX | XXXXXX | 7140183 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX to allow for XXX months XXXX statement on XXXXX income. |  | Compensating XXXXX XXXXX residence XX years. XXX late mortgage payments for XX years. XXXXX self-employment for XX years. |  |  |  | 04/28/2025 B | 2 | XXXX | ME | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640127 | XXXXXX | XXXXXX | 7140184 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX to allow XXXXX score of XXXX for loan amount over XX million. XXXXX require XXXX credit score for loan amounts over XX million. |  | Compensating XXXXX XXXXX residence XX years. XXX late mortgage payments for XX years. XXXXX self-employment for XX years. |  |  |  | 04/28/2025 B | 2 | XXXX | ME | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640128 | XXXXXX | XXXXXX | 7140185 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX provide the XXXX of XXXXX docs for review. | Information provided |  |  | 03/27/2025 |  | A | 1 | XXXX | WI | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1640129 | XXXXXX | XXXXXX | 7140186 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXX executed, signed and notarized XXXX is missing from file. | Information provided |  |  | 03/27/2025 |  | A | 1 | XXXX | WI | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1640131 | XXXXXX | XXXXXX | 7140197 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXX housing history for the last year-living rent free. |  | The exception was approved for the borrower having no housing history in the last year. XXXX exception was approved with the following compensating factors: XXXX borrower pur XXXX down on the property. XXXXX is XXXX with no late payments. XXXX collateral is excellent. |  |  |  | 03/20/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640131 | XXXXXX | XXXXXX | 7140198 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX of employment within XXX days of the note missing from file. | VOE provided |  |  | 03/20/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640132 | XXXXXX | XXXXXX | 7140200 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX tradeline requirement of XX accounts, with two active not met with one active and existing mortgage. |  | Exception granted: XXX XXXXX reserves, XXX a credit abuser, XXXX revolving line available, XXXX collateral new construction. XXXX XXXX paid timely. |  |  |  | 03/17/2025 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640132 | XXXXXX | XXXXXX | 7140201 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX requirement of XXX has not been met |  | Exception granted: XXX XXXXX reserves, XXX a credit abuser, XXXX revolving line available, XXXX collateral new construction. XXXX XXXX paid timely. |  |  |  | 03/17/2025 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640133 | XXXXXX | XXXXXX | 7140202 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX approval to correct loan program to XXXXX XXXX vs XXXXX statement loan. | received approval stating XXXXX XXX |  |  | 03/20/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640133 | XXXXXX | XXXXXX | 7140203 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | document received |  |  | 03/19/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640133 | XXXXXX | XXXXXX | 7140204 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval and loan analysis to evidence loan as full docs, and not XXXX statement loan | Received XXX XXXX |  | Reviewer 03/20/2025 04:22 PM; The XXX loan analysis reflects doc type as XXXXX statement. XXXX not receive analysis for full doc<br>| 03/21/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640135 | XXXXXX | XXXXXX | 7140206 | 970 | XXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | XXXX XXX is missing only the XXXX XXX was provided. | Information provided |  |  | 04/08/2025 |  | A | 1 | XXXX | IL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640135 | XXXXXX | XXXXXX | 7140207 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/08/2025 |  | A | 1 | XXXX | IL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640135 | XXXXXX | XXXXXX | 7140208 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX from XXXXX required. XXXX program is a XXXXX program. XXXXX provided as documentation is not acceptable. XXXX XXXXX is required. | XXXX XXXXX provided |  |  | 04/14/2025 |  | A | 1 | XXXX | IL | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640136 | XXXXXX | XXXXXX | 7140209 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX confirmed judgement with XXXX XXXXX recorded XXXX reaffirmed XXXXX satisfactory evidence judgement has been cleared is required. | received XXXXX letter of payment |  |  | 03/26/2025 |  | A | 1 | XXXX | OK | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1640136 | XXXXXX | XXXXXX | 7140210 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of payoff for XXXX XXXXX paid at closing on XXXXX | received XXXXX letter of payment |  |  | 03/26/2025 |  | A | 1 | XXXX | OK | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1640136 | XXXXXX | XXXXXX | 7140211 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of additional debt of XXXX included in total debts of XXXXX - XXXXX report noted XXXXX after omitting XXXX & XXXX business debts | Omitting the XXXX debt would lower the XXXXX within tolerance. |  |  | 03/26/2025 |  | A | 1 | XXXX | OK | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1640137 | XXXXXX | XXXXXX | 7140212 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX depletion loan requires assets post closing to be over XXXX XXXX loan assets are below that. |  | The exception for less than XXXX in residual assets post closing was granted with the following compensating factors: XXXXX pride in departing residence, nice collateral. XXXXX is XXXX for borrower and co-borrower. XXX late payments on the mortgage XXXXX |  |  |  | 03/25/2025 B | 2 | XXXX | HI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640137 | XXXXXX | XXXXXX | 7140213 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX the signed final closing disclosure from the XXXXX loan verifying funds to the borrower in the amount of XXXXXX XXXXX in the file is not signed | received final signed bridge loan XX |  |  | 03/26/2025 |  | A | 1 | XXXX | HI | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640138 | XXXXXX | XXXXXX | 7140215 | 321 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | XXXX XXXXX program requires XX tradelines with XX active. XXXX borrower has XX active tradelines total. |  | The exception for less than required credit tradelines was granted with the following compensating factors: XXXX borrower has XXXX equity in the property; over XXXXX in cash reserves. XXXX borrower has owned the home for XXX years; XXXXX is not a credit abuser and consolidating all debt into XX payment. |  |  |  | 03/31/2025 B | 2 | XXXX | WA | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640138 | XXXXXX | XXXXXX | 7140216 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan amount is less than the XXXXXX minimum loan amount. XXXX loan is XXXXXXX |  | The exception for less than minimum loan amount was granted with the following compensating factors: XXXX borrower has XXXX equity in the property; over XXXXX in cash reserves. XXXX borrower has owned the home for XXX years; XXXXX is not a credit abuser and consolidating all debt into XX payment. |  |  |  | 03/31/2025 B | 2 | XXXX | WA | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640138 | XXXXXX | XXXXXX | 7140217 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX borrower's required reserves are from cash out. XXXX minimum required XXXXX to use cash out for reserves is XXXXX the borrower's XXXXX is XXXXX |  | The exception for less than XXXX required XXXXX to use cash out for required reserves was granted with the following compensating factors: XXXX borrower has XXXX equity in the property; over XXXXX in cash reserves. XXXX borrower has owned the home for XXX years; XXXXX is not a credit abuser and consolidating all debt into XX payment. |  |  |  | 03/31/2025 B | 2 | XXXX | WA | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640138 | XXXXXX | XXXXXX | 7140218 | 421 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | XXXX appraisal is over XXXX days old. XXXX recert. XXXX guidelines state that if the appraisal date is greater than XXXX days, an appraisal re-cert of value is required. |  | Received exception approval for appraisal over XXXX days. XXXXX XXXX - XXXX XXXXX XXXX reserves, XXX years in home |  |  |  | 04/01/2025 B | 2 | XXXX | WA | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640140 | XXXXXX | XXXXXX | 7140221 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX XXXX less than XXXX required for loan amounts exceeding XXXXX |  | Exception granted: XXXXX XXXXX XXXXX no recent derogs, XXX agreed payment history, low debt ratio, XXXXX XXXXXX cash reserve level |  |  |  | 03/27/2025 B | 2 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1640140 | XXXXXX | XXXXXX | 7140223 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX verbal verification of employment from XXXX XXXXX dated within XXX days of note date XXXXX | Documentation provided |  |  | 03/28/2025 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1640140 | XXXXXX | XXXXXX | 7140224 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX verbal verification of employment from XXXX XXXXX XXXXX XXXX dated within XXX days of note date XXXXX | Documentation provided |  |  | 03/28/2025 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1640140 | XXXXXX | XXXXXX | 7140225 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX second appraisal for loans over XXXXX million is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided |  |  | 03/28/2025 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1640142 | XXXXXX | XXXXXX | 7140227 | 65 | XXXX | Compliance | Right to Cancel |  | Right to Cancel - is missing. |  | XXXXX provide the right to cancel. |  |  |  | 04/02/2025 |  | A | 1 | XXXX | FL | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640142 | XXXXXX | XXXXXX | 7140228 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX XXXXX XXXXXX dated within XXX days of note date XXXXX | received XXXX signed within XXX days of note. |  |  | 04/05/2025 |  | A | 1 | XXXX | FL | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640142 | XXXXXX | XXXXXX | 7140229 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX verbal verification of self employment dated within XXX days of note date XXXX | received XXX day XXXX |  |  | 04/01/2025 |  | A | 1 | XXXX | FL | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640142 | XXXXXX | XXXXXX | 7140230 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXX does not meet minimum XXXXX of XXXX for XXXX less than XXXX to use cashout for reserves |  | Exception granted: XXX file since XXXXX XXXXX after close XXXXX XXXXX XXXX good job time, good residence time, good mortgage history |  |  |  | 03/31/2025 B | 2 | XXXX | FL | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1640143 | XXXXXX | XXXXXX | 7140231 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX evidence of departing residence insurance XXXXX monthly | HOA and XXXX statement provided |  |  | 04/04/2025 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640143 | XXXXXX | XXXXXX | 7140232 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of XXXXX rents for departing residence of XXXXX monthly | Zillow provided |  |  | 04/04/2025 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640143 | XXXXXX | XXXXXX | 7140234 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX evidence of XXXX license | Internet search provided. |  |  | 04/04/2025 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640144 | XXXXXX | XXXXXX | 7140236 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX requires XXXX on the mortgage within the last XXX months. XXXX borrower has a XXXXX in XXXX |  | The XXXX for the borrower having a XXXXX day late on the mortgage was granted with the following compensating factors: XXXX borrower is a seasoned investor, owning over XXX properties. XXXX borrowers made a large downpayment of XXXXX is XXXX with the majority of credit paid as agreed. XXXX mortgage late appears to be an isolated event with a good letter of explanation in the file. |  |  |  | 03/28/2025 B | 2 | XXXX | LA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640144 | XXXXXX | XXXXXX | 7140237 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXXX XXXX require XXXXX XXXXX approval for XXXXX XXXXX XXXXX XXXXX program. |  | The XXXX for the borrower receiving gift funds of XXXXXX was granted with the following compensating factors: XXXX borrower is a seasoned investor, owning over XXX properties. XXXX borrowers made a large downpayment of XXXXX is XXXX with the majority of credit paid as agreed. |  |  |  | 03/28/2025 B | 2 | XXXX | LA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640145 | XXXXXX | XXXXXX | 7140238 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXX | NV | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1640145 | XXXXXX | XXXXXX | 7140239 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX title provided in the amount of XXXXXX is less than the loan amount of XXXXXX XXXX updated title supplement in an amount equal to or greater than the loan amount. | Received title with correct loan amount |  |  | 04/24/2025 |  | A | 1 | XXXX | NV | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1633702 | XXXXXX | XXXXXX | 7141535 | 436 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Missing verbal Verification of employment | received 10 day VVOE for current job |  | Reviewer 11/20/2024 03:28 PM; The XXXXX XXXXX is dated XXXX XXXXX date XXXXX XXXXX required within XXX days of note. <br>| 11/21/2024 |  | A | 1 | XXXX | HI | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1633702 | XXXXXX | XXXXXX | 7141536 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines minimum square footage for condo is 600 square feet. Subject prperty gross living area is 504. |  | Compensating Factors Excellent credit (FICO 780), no derogatory credit, AA mortgage ratings (no late payments, strong income from good quality job (borrower is a XXXX), Low LTV for loan program (LTV is 63 max allowed is 80), high cash reserve level (28.92 months of reserves, 6 months required per guidelines) . |  |  |  | 11/19/2024 B | 2 | XXXX | HI | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1633726 | XXXXXX | XXXXXX | 7141263 | 863 | XXXX | Compliance | Right to Cancel |  | Right to Cancel - Other: |  | The subject loan was a refinance with the same lender; however, the H-8 Right to Cancel form was used. Form H-9 is required when refinance is with the same lender. | Information provided |  | Reviewer 01/15/2025 08:58 AM; Correct XXXX has not been executed by the borrowers. XXXXX provide executed copy<br>Client 01/17/2025 11:25 AM; Hi, please escalate. XXXXX did not exercise their right to cancel this loan as they had until midnight XXXX XXXXX is how we have cleared this finding numerous times in the past. XXXX<br>Reviewer 01/17/2025 12:43 PM; <br>Reviewer 01/21/2025 10:02 AM; Hello <br> XXXXX has been cleared. <br> XXXX<br>| 01/21/2025 |  | A | 1 | XXXX | WA | 1 | 3 C A | C | A |  | Non-QM | 1 |
| 1640098 | XXXXXX | XXXXXX | 7141523 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX XXXX of XXXXX and XXXX XXXX for property located at XXXXXX | Received XXXX and tax documentation |  |  | 03/11/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640099 | XXXXXX | XXXXXX | 7141532 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 03/17/2025 |  | A | 1 | XXXX | CA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640148 | XXXXXX | XXXXXX | 7140240 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required to accept an appraisal that does not provide a form XXXX |  | Approval granted to accept an appraisal that does not provide a form XXXXX XXXXX factor is the use of XXXXX rental listing with a conservative XXXX expense factor is in line with the brief paragraph from appraiser on short term market rent, explained on the supplemental addendum. |  |  |  | 03/27/2025 B | 2 | XXXX | AL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1640149 | XXXXXX | XXXXXX | 7140241 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX requires XXX months housing for a XXXX |  | Exception management approved file with no housing, using XXXX for XXXXX XXXXX XXXXX XXXXX XXXXX XX mortgages reporting all paid XXX for the last XXXX months, not an abuser of credit. |  |  |  | 03/25/2025 B | 2 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640150 | XXXXXX | XXXXXX | 7140243 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXXXX XXXX // XXXX XXXX approved appraiser | Loan XXXXX states XXXXX approval to use appraisal |  |  | 04/04/2025 |  | A | 1 | XXXX | HI | 1 | 1 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640150 | XXXXXX | XXXXXX | 7140244 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \*\* XXXXX XXXX requires XX year history with XX active tradelines |  | DEVIATION: XX active tradeline XXXXX XXXXX XXXXX XXXX for XXX years, XXXXX collateral, XXXX XXXX & XXX XXXXX XXXX |  |  |  | 04/01/2025 B | 2 | XXXX | HI | 1 | 1 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640151 | XXXXXX | XXXXXX | 7140246 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents have been received. | Document received |  |  | 04/08/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640151 | XXXXXX | XXXXXX | 7140248 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan size for program is XXXXX XXXXX amount is XXXXX |  | Exception allowing loan amount of XXXXXX approved. XXXXX XXXXX XXXXX pride in ownership living in primary for XX years, XXXXX XXXXX XXXX paid XXX for XXX months, not an abuser of credit. |  |  |  | 04/10/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640152 | XXXXXX | XXXXXX | 7140251 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided |  |  | 04/01/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640152 | XXXXXX | XXXXXX | 7140252 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | he borrowers are short reserves. XX months required reserves for XXXX XXXX XXXX borrower has a little over XX month reserves. XXXX reserves in the amount of XXXX | Documented reserves XXXXXX XXXX XXXXX XXX mos reserves. |  |  | 04/04/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640152 | XXXXXX | XXXXXX | 7140254 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX is over max of XXXXX |  | The exception was granted for the payment shock exceeding the maximum with the following compensating factors: XXXX borrowers home is free and clear; XXXX XXXX is XXXX XXXX primary borrower has a XXXXX of XXXX and no late payments. XXXX borrower has been employed with the same company since XXXXX |  |  |  | 04/02/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640154 | XXXXXX | XXXXXX | 7140256 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX self-employment required |  | Exception for under XXXX self-employment. XXXXX business opened in XXXXX XXXXX XXXXX XXXXX XXX mortgage and overall credit history, XXXX XXXX of XXXXX XXXXX income of XXXXXXX |  |  |  | 04/09/2025 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640154 | XXXXXX | XXXXXX | 7140257 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for purchase with bridge is XXXXX |  | Exception allowing stacking to XXXX XXXX on purchase with bridge. XXXXX XXXXX XXX mortgage and overall credit history, XXXX XXXX of XXXXX XXXXX income of XXXXXXX |  |  |  | 04/09/2025 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640154 | XXXXXX | XXXXXX | 7140259 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXXX loan settlement statement reflecting XXXXXX was not provided. XXXXX file to XXXX when provided. | Bridge XXXXX XXX provided |  |  | 04/09/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640154 | XXXXXX | XXXXXX | 7140260 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX reserves in the amount of XXXXX due to XXXXX loan missing. XXXXX XXXXX verified XXXX | Proceeds from XXXXX XXXXX XXX provided increases the reserves to XXXX |  |  | 04/09/2025 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640155 | XXXXXX | XXXXXX | 7140261 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property acreage is XXXX subject property is XXXX acres |  | Compensating XXXXX XXXX current residence , XXX years with current employer, XXXX XXXX of XXXX well below max XXXX of XXXXX XXXXX in residual income. |  |  |  | 04/08/2025 B | 2 | XXXX | CT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640156 | XXXXXX | XXXXXX | 7140263 | 335 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Calculation Incorrect |  | XXXXX income received is XXXXX vs bi-weekly, XXXXX noted on XXXXX & paystubs evidenced XXXXX monthly income - updated XXXXX approval, and XXXXX XXX analysis required | Received updated approval |  |  | 04/07/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640159 | XXXXXX | XXXXXX | 7140271 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX needed for payment shock due to free and clear departure residence. |  | Compensating XXXXX XXX XXXX credit history XXXXX employment history XXXXX two XXXXX and XXXX properties |  |  |  | 04/11/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640161 | XXXXXX | XXXXXX | 7140272 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval needed reflecting the exception approval for the XXXX > XXXX for borrower with a fixed income. |  | Compensating factors: XXX mortgage lates within the last XXX months, XXXX XXXXX , stable housing for XXXX years. |  |  |  | 04/08/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640161 | XXXXXX | XXXXXX | 7140274 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX fully executed XXX from bridge loan netting XXXXX minimum XXXXX missing from file. | Cash needed for closing XXXX XXXXX net proceeds XXXXX XXXXX paid off |  |  | 04/09/2025 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640162 | XXXXXX | XXXXXX | 7140275 | 895 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | XXXXX proof borrower received initial XXX XX days prior to consummation. | Documentation provided |  |  | 04/04/2025 |  | A | 1 | XXXX | LA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640162 | XXXXXX | XXXXXX | 7140276 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Documentation provided |  |  | 04/04/2025 |  | A | 1 | XXXX | LA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640164 | XXXXXX | XXXXXX | 7140277 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX has the incorrect loan amount of XXXXXX and it should be XXXXXXX | Information provided |  |  | 04/15/2025 |  | A | 1 | XXXX | WA | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640165 | XXXXXX | XXXXXX | 7140278 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX for rural is XXXXXX XXXX is XXX |  | Compensating XXXX mortgages paid XXXX all consumer credit paid XXXX credit reporting since XXXXX and XXXX credit score, |  |  |  | 03/31/2025 B | 2 | XXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640166 | XXXXXX | XXXXXX | 7140279 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXX | ID | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1640168 | XXXXXX | XXXXXX | 7140280 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report provided |  |  | 04/09/2025 |  | A | 1 | XXXX | FL | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1640169 | XXXXXX | XXXXXX | 7140281 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX final XXX dated and funded on XXXX for the XXXX bridge loan secured by the property located at XXXXX showing net proceeds of XXXXXX after paying mortgages XXXXX XXXXX and XXXXX XXXX | received bridge loan net XXXX sufficient |  |  | 03/30/2025 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640169 | XXXXXX | XXXXXX | 7140282 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required for accepting a property located in a declining market |  | Exception approval received for declining market. XXXXX XXXX - XXXX score, XXXX XXXXX XXXXX XXXX residual income XXXXX |  |  |  | 04/01/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640170 | XXXXXX | XXXXXX | 7140284 | 758 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | XXXXX statement is needed to confirm if XXXX are escrowed for XXXXX XXXXX XXXXX XXXX is also needed to confirm if there are XXXX dues. | Payment received includes escrows/ document received no XXX |  |  | 04/05/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640170 | XXXXXX | XXXXXX | 7140287 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX residence rental income calculated as XXXX XXXXXX to support rental income and calculation is needed. | Received rent estimate for XXXX per month |  | Reviewer 04/04/2025 05:05 PM; The rental income used in qualifying was XXXXXX<br>| 04/05/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640173 | XXXXXX | XXXXXX | 7140290 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640173 | XXXXXX | XXXXXX | 7140291 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX |  | Compensating XXXXX XXXXX XXXXX not a credit abuser; XXXX equity upon completion of purchase; XXXXX from bridge loan |  |  |  | 04/23/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640175 | XXXXXX | XXXXXX | 7140293 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXX housing payment XXXX to be documented. (missing mtg stmt, taxes and insurance & no XXXX | Primary XXXX XXXXX within tolerance XXXXX XXX |  |  | 03/31/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640176 | XXXXXX | XXXXXX | 7140295 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX management has also approved a non-arm's length transaction at XXXX XXXX XXX in file from purchase. |  | Previous mortgage history for XX years, no delinquency. XXXX XXXX of XXXX XXXXX residual income XXXX |  |  |  | 04/08/2025 B | 2 | XXXX | NC | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640176 | XXXXXX | XXXXXX | 7140296 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX management exception for seasoning requirement (cash-out on property with less than XX months of ownership). |  | Previous mortgage history for XX years, no delinquency. XXXX XXXX of XXXX XXXXX residual income XXXX |  |  |  | 04/08/2025 B | 2 | XXXX | NC | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640176 | XXXXXX | XXXXXX | 7140297 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | minimum XXXXX requirement of XXXX for a cash out refinance. |  | Previous mortgage history for XX years, no delinquency. XXXX XXXX of XXXX XXXXX residual income XXXX |  |  |  | 04/08/2025 B | 2 | XXXX | NC | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640177 | XXXXXX | XXXXXX | 7140299 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX score was XXXXX is XXXX to use cash-out as reserves |  | Exception to use cash out to cover reserves with a XXXX XXXXX XXXXX XXXXX XXXX equity in subject property, longtime property ownership, borrower has lived in the property since XXXX XXX payment history for XX years even through XXXXX |  |  |  | 04/02/2025 B | 2 | XXXX | CA | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640178 | XXXXXX | XXXXXX | 7140300 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX history must be XXXX for XXX months. XXXX XXXXXX no mortgage history verification for the past XXX months. |  | Compensating XXXXX XXXX credit, XXX years credit depth, XXX and XX yrs on job, XXXX fico and low ltv. |  |  |  | 04/21/2025 B | 2 | XXXX | CO | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640179 | XXXXXX | XXXXXX | 7140301 | 258 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | XXXX with photos missing from file | XXXXD received with XXXX |  |  | 04/15/2025 |  | A | 1 | XXXX | ID | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1640179 | XXXXXX | XXXXXX | 7140302 | 267 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Certificate of Occupancy |  | XXXXX county missing from file. | Occupancy affidavit in file with county XXXX |  |  | 04/15/2025 |  | A | 1 | XXXX | ID | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1640181 | XXXXXX | XXXXXX | 7141714 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval in file, XXXXX management approved subject property agricultural zoning and location in an XXXX with an XXXX for runway access provided XXXXX is above XXX there are no deed restrictions and max stacked pts XXXXX is XXXX XXXX is XXXXX and missing evidence of no deed restrictions. XXXX updated approval that meets all loan variables | Title XXXXX and XXXXX provided. |  |  | 04/29/2025 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1640182 | XXXXXX | XXXXXX | 7140307 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/22/2025 |  | A | 1 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640182 | XXXXXX | XXXXXX | 7140308 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX – XXX least XX XXXX XXXX tradeline requirements can be waived for borrowers with a minimum of XX years credit history and XXXXX |  | DEVIATION: XXX XXXXX tradelines XXXXX XXXXX of XXXXX for loan program, XXXX XXXXX on credit report, XXXX a credit abuser & XXXXX reserve level |  |  |  | 04/22/2025 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640182 | XXXXXX | XXXXXX | 7140309 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX borrowers who own a home XXXXX & XXXXX payment shock is considered for reasonableness and should be reviewed by XXXXX XXXXX |  | DEVIATION: XXXX shock exceeding XXX since departure XXXX is XXXXX & XXXX XXXXX XXXXX of XXXXX for loan program, XXXX XXXXX on credit report, XXXX a credit abuser & XXXXX reserve level |  |  |  | 04/22/2025 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640183 | XXXXXX | XXXXXX | 7140311 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX payment shock when XXXX is over XXXX is XXX XXXX XXXXXX shock is at XX |  | Compensating XXXXX XXX mortgage history and good credit, plenty of assets for reserves, longtime business ownership, XXXX fico score and low XXXXX |  |  |  | 04/15/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640187 | XXXXXX | XXXXXX | 7140316 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX was missing from the loan file. XXXX credit review is on hold until documents have been received. | Documentation provided |  |  | 04/10/2025 |  | A | 1 | XXXX | MD | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640187 | XXXXXX | XXXXXX | 7140317 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents received. | Documentation provided |  |  | 04/10/2025 |  | A | 1 | XXXX | MD | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640187 | XXXXXX | XXXXXX | 7140318 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval, and final XXX analysis to be completed with XXXX XXXXX & XXXXX | Loan XXXXX provided. |  |  | 04/10/2025 |  | A | 1 | XXXX | MD | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640188 | XXXXXX | XXXXXX | 7140320 | 108 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | XXXX to photocopy error, the auditor could not determine whether the file contained all pages of the XXXXX of XXXX XXXXX complete copy of XXXXX of XXXX was provided. |  |  |  | 04/18/2025 |  | A | 1 | XXXX | NM | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1640188 | XXXXXX | XXXXXX | 7140321 | 530 | XXXX | Compliance | Right to Cancel |  | Right to Cancel - Compliance \ Right to Cancel - Signed and dated by all borrowers & parties on title |  | XXXX XXXX XXX XXXXX was not signed by the borrower. XXXX signed copy and date of signature. |  |  |  | 04/18/2025 |  | A | 1 | XXXX | NM | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1640189 | XXXXXX | XXXXXX | 7141539 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require XX months proof of lease rent; borrower provided XX month proof of rent |  | Compensating factors; good credit, good reserves. |  |  |  | 04/02/2025 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640189 | XXXXXX | XXXXXX | 7141540 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX payment shock max XXXXX when XXXX is over XXXXX borrower payment shock is XXXX |  | Compensating factors; good credit, good reserves. |  |  |  | 04/02/2025 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640190 | XXXXXX | XXXXXX | 7140328 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX depletion is not allowed on foreign national loans. XXXX XXXXXX asset depletion on this loan. |  | Compensating XXXXXXX credit debt, not a credit abuser, XXX yrs on job, XXXX ltv and XXXX fico. |  |  |  | 04/11/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640190 | XXXXXX | XXXXXX | 7140329 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX loan amount for foreign national loan is XX million XXXX XXXXX amount is over XX million |  | Compensating XXXXX XX yr credit debt, not a credit abuser, XXX yrs on the job, XXXX ltv and XXXX fico |  |  |  | 04/11/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640190 | XXXXXX | XXXXXX | 7140330 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX closing disclosure for bridge loan with funds to the borrower in the amount of XXXXXXX | CD provided |  |  | 04/14/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640193 | XXXXXX | XXXXXX | 7140331 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX kitchens required for condotels. XXXX has a kitchenette. |  | Compensating factors: XXX mortgage and overall recent credit history. XXXX investor owning XX properties in XXXX, XXXXXX XXXX with annual income of XXXXX |  |  |  | 03/31/2025 B | 2 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1640193 | XXXXXX | XXXXXX | 7140332 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX square footage XXXX XXXX is XXXX sf. |  | Compensating factors: XXX mortgage and overall recent credit history. XXXX investor owning XX properties in XXXX, XXXXXX XXXX with annual income of XXXXX |  |  |  | 03/31/2025 B | 2 | XXXX | UT | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1640195 | XXXXXX | XXXXXX | 7140333 | 258 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | XXXX completed subject to repairs. XXXXX evidence repairs have been completed to be provided | received final inspection |  |  | 04/10/2025 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1640196 | XXXXXX | XXXXXX | 7140334 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXX | WA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640199 | XXXXXX | XXXXXX | 7140976 | 870 | XXXX | Compliance | Appraisal |  | Appraisal - Other: |  | XXXXX provide updated appraisal that reflects the correct county of XXXX per legal description. | Information provided |  |  | 05/06/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1640199 | XXXXXX | XXXXXX | 7140977 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX self-employed for XXXXX years. XXXXX require XX years self-employment |  | Compensating factors; XXXXX income XXXXXXXX required XXXXX XXXXX after close XXXX XXXX credit history. |  |  |  | 04/27/2025 B | 2 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1640200 | XXXXXX | XXXXXX | 7140337 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX statement to confirm escrow of taxes/insurance for XXXXX XXXXX XXXX | received mortgage statement with escrow |  |  | 04/08/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640200 | XXXXXX | XXXXXX | 7140338 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX statement to confirm escrow of taxes for financed land with XXXXX XXXX & XXXX | received tax documentation included in XXXXX XXX |  |  | 04/08/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640200 | XXXXXX | XXXXXX | 7140339 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX is needed to confirm if there are XXXX dues for XXXXX XXXXX XXX & XXXXX | Tax records received reflect XXXX and not XXX |  |  | 04/08/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640200 | XXXXXX | XXXXXX | 7140340 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX years self-employed approved by senior management |  | Credit paid XXXX XX open and XX paid mortgages paid XXXXX XXXX years in same line of work with good earnings history. XXXX down payment from own funds. XXX mos. reserves. |  |  |  | 04/08/2025 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640201 | XXXXXX | XXXXXX | 7140342 | 862 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX executed deed of trust is missing from file. | Information provided |  |  | 04/29/2025 |  | A | 1 | XXXX | MA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640202 | XXXXXX | XXXXXX | 7140343 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided |  |  | 04/23/2025 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640202 | XXXXXX | XXXXXX | 7140344 | 326 | XXXX | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | XXXXXX required to support omitting debt wit XXXX card with XXXXX pmt and XXXX balance from XXXX | Statement provided showing zero balance |  | Reviewer 04/24/2025 09:28 AM; Documents received did not reflect this account was paid off. XXXX the XXXXX to include this debt<br>| 04/25/2025 |  | A | 1 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640202 | XXXXXX | XXXXXX | 7140345 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX with XXXX reflects as differed, however no date provided. |  | Exception granted: XXXXX XXXXX XXXXX depth of XXX years, with mortgages all paid as agreed. XXXX homeowner with departing residence ownership of XXX years. |  |  |  | 04/23/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640202 | XXXXXX | XXXXXX | 7140346 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX income borrowers XXXX XXXX exceeds maximum of XXX |  | Exception granted: XXXXX XXXXX XXXXX depth of XXX years, with mortgages all paid as agreed. XXXX homeowner with departing residence ownership of XXX years. |  |  |  | 04/23/2025 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640203 | XXXXXX | XXXXXX | 7141262 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | TPS XXXX XXXX |  |  | 04/21/2025 |  | A | 1 | XXXX | CA | 1 | 1 A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640206 | XXXXXX | XXXXXX | 7140351 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower must be XX years self-employed for this program and the borrower just started as self-employed in XXXX |  | The exception was granted for the borrower being self-employed less than XX years with the following compensating factors: XXXX XXXX of XXXX XXXX borrower has been in the same line of work for XXX years. XXXX borrower has XXX years credit depth and a XXXXX of XXXXX |  |  |  | 04/21/2025 B | 2 | XXXX | WI | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640208 | XXXXXX | XXXXXX | 7140352 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXX fraud report | CoreLogic report provided |  |  | 04/22/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640209 | XXXXXX | XXXXXX | 7140978 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/22/2025 |  | A | 1 | XXXX | WA | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1640214 | XXXXXX | XXXXXX | 7140355 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX loan amount is XXXXXX amount is XXXX |  | Compensating XXXXXXX investor, currently owns XX investment properties, has owned primary since XXXX all mortgages and consumer credit paid on time and XXXX credit score |  |  |  | 04/21/2025 B | 2 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640215 | XXXXXX | XXXXXX | 7140356 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines minimum square footage XXXX sqft; subject is XXX |  | Compensating factors; seasoned investor, XXX months reserves, XXXX credit score. |  |  |  | 04/19/2025 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640216 | XXXXXX | XXXXXX | 7140357 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640216 | XXXXXX | XXXXXX | 7140358 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX not met with primary housing free and clear |  | Exception granted: XXXXX XXXXX XXXXX XXXX credit paid as agreed, owner of current residence for XXX years. |  |  |  | 04/21/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640217 | XXXXXX | XXXXXX | 7140359 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX evidence borrower is XXXXX owner, or owns all XXXX shares. | Received XXXXX owner documentation |  |  | 04/24/2025 |  | A | 1 | XXXX | CA | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1640218 | XXXXXX | XXXXXX | 7140360 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX requires acceptable XXXXX and XXXXXX XXXXX XXXXX provided) |  | Exception granted: XXXX investor, owning several properties, XXXXX history paid as agreed, XXXX equity in subject with XXX XXXX |  |  |  | 04/23/2025 B | 2 | XXXX | NV | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1640219 | XXXXXX | XXXXXX | 7140361 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX was not included with the loan file. XXXXX XXXXX XXXXX states XXXX XXXX was XXX | information provided and accepted |  |  | 04/25/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640220 | XXXXXX | XXXXXX | 7140362 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report and the final XXX for the sale of departing residence are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 04/21/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640221 | XXXXXX | XXXXXX | 7140979 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 04/21/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640222 | XXXXXX | XXXXXX | 7140367 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | No XXXXX XXXXX XXXX final approval |  | Client 04/21/2025 12:28 PM; Hi, there is no bridge for this loan. XXXX<br>Reviewer 04/21/2025 12:33 PM; <br>Reviewer 04/22/2025 11:09 AM; This has been cleared. <br>XXXX<br>| 04/22/2025 |  | A | 1 | XXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640222 | XXXXXX | XXXXXX | 7140368 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final approval is missing from the loan file. XXXX credit review is on hold until documents are received. | Document provided |  |  | 04/22/2025 |  | A | 1 | XXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640224 | XXXXXX | XXXXXX | 7140371 | 321 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | XXXXX to document XXXX expenses for both properties owned by borrower. | Received mortgage statements including escrow |  |  | 04/17/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640224 | XXXXXX | XXXXXX | 7140374 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XX XXXX letter addressing business funds used for closing costs and reserves, per email from management | CPA letter provided. |  |  | 04/17/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640226 | XXXXXX | XXXXXX | 7140381 | 1068 | XXXX | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | XXXX XXXXX was no provided with the loan file | Fraud alerts cleared with documentation in file. |  | Client 04/09/2025 05:08 PM; Fraud alerts cleared with documentation in file. XXXXX clear or escalate further. XXXX you. <br>Reviewer 04/09/2025 08:50 PM; Condition has been reviewed. XXX<br>| 04/09/2025 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1640227 | XXXXXX | XXXXXX | 7140382 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX XXXX with a XXXXX XXXXX | Received XXX XXXXX approval of XXXX |  |  | 04/10/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640229 | XXXXXX | XXXXXX | 7140383 | 1067 | XXXX | Compliance | Flood Insurance |  | Flood Insurance - Policy address is incorrect or missing |  | XXXX policy has incorrect property address, please provide updated policy with XXXX XX XXXX | Information provided |  |  | 05/02/2025 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640231 | XXXXXX | XXXXXX | 7140384 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX XXXXX verification of employment for coborrower XXX income with XXXX XXX XXXX XXXXX XXXX | WX earnings shown on XXX |  |  | 04/24/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640231 | XXXXXX | XXXXXX | 7140386 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX XXXXX verification for borrower income with XXX XXXX | received XXXX |  |  | 04/24/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640231 | XXXXXX | XXXXXX | 7140387 | 1024 | XXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | XXXX XXX to show additional gift received of XXXXX over an above XXXXX gift for XXX | received documentation for wire |  |  | 04/24/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640232 | XXXXXX | XXXXXX | 7140981 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require management approval to use XXXX of the loan balance as the payment amount for student loans not reporting a payment amount and not showing as deferred. XXXX was used for the XX student loan accounts instead of the standard XXXX of balance. |  | Compensating XXXXX for program; XXXXX cash down payment; XXXXX employment history that indicates stability and a likelihood of continue income flow. |  |  |  | 04/20/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640233 | XXXXXX | XXXXXX | 7140392 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required for subject property sq footage under XXX |  | Compensating XXXXX XXXXX XXXXX XX previous mortgages excellent pay history, with current employer for XXXXX years, XXXX mid score |  |  |  | 04/09/2025 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640234 | XXXXXX | XXXXXX | 7140395 | 861 | XXXX | Compliance | Note |  | Note - Other: |  | XXXX XXXX of XXXXX was not found in the file. XXXX fully completed, executed and notarized document. | Information provided |  |  | 04/22/2025 |  | A | 1 | XXXX | GA | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640235 | XXXXXX | XXXXXX | 7140397 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX gross assets of XXXX not met with XXXXXX available funds |  | Exception granted: XXXXX XXXXX XXX file since XXXX XXXXX after close XXXX XXXXX XXXX longevity of employment, satisfactory rental history, not a credit abuser. |  |  |  | 04/18/2025 B | 2 | XXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640238 | XXXXXX | XXXXXX | 7140399 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require proof of repairs be provided by the XXXX XXXX from XXXX indicates repairs are ongoing. |  | Compensating XXXXX XXXX debt ratio; XXXXX residual income; XXXXX income from good quality job; XXXX XXXX for program; XXXXX cash down payment; XXXXX cash reserve level; XXXXX credit; not a credit abuser; XXXXX employment history that indicates stability and a likelihood of continue income flow. |  |  |  | 04/20/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640239 | XXXXXX | XXXXXX | 7140400 | 72 | XXXX | Compliance | Closing Package |  | Closing Package - |  | XXXX XXXXX XXXXX XXXX and XXXX (form XXXXX XXXX is missing from file. | Information provided |  |  | 04/17/2025 |  | A | 1 | XXXX | TX | 1 | 13 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640239 | XXXXXX | XXXXXX | 7140401 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXX XXXXX is missing from this file. XXXXX provide XXXX XXXXX for review | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided in initial upload. |  | Client 04/23/2025 06:06 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | TX | 1 | 13 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640239 | XXXXXX | XXXXXX | 7140402 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require two years self employed; borrower switched to XXXXX employee in XXXX XXXX with a co-company of his previous employer. |  | Compensating factors; XXXX credit XXXXX in assets XXXX months reserves, residual income XXXX |  |  |  | 04/22/2025 B | 2 | XXXX | TX | 1 | 13 C B | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640240 | XXXXXX | XXXXXX | 7140403 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXXX for XXX & XXX are not dated | Received XXX day XXXX |  |  | 04/30/2025 |  | A | 1 | XXXX | TX | 1 | 13 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640240 | XXXXXX | XXXXXX | 7140404 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX not in XXXXX XXX XXXX – XXXXX manager approval to use appraisal | Received management approval to use appraisal. |  |  | 04/30/2025 |  | A | 1 | XXXX | TX | 1 | 13 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640240 | XXXXXX | XXXXXX | 7140405 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \* XXXXX XX months seasoning required XXXXX less than XX months is permitted with XXXXX |  | DEVIATION: XXXXX XXXXX XXXXX purchased XXXX XXXXX XXXXX XXX derogatory credit on credit report, XXXX XXXXX XXXXX XXXXXX & XXXXX XXXXX |  |  |  | 04/28/2025 B | 2 | XXXX | TX | 1 | 13 D B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640242 | XXXXXX | XXXXXX | 7140407 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX property to be reviewed by XXXXX if unique and large acreage |  | Exception approved by XXXXX for a XXXX property. XXXXX XXXXX XXXXX income over XXXXX XXXX shock close to XXX borrowers are used to this payment amount, credit payment history mostly XXXX despite one-off late not reflective of overall history. |  |  |  | 04/24/2025 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640242 | XXXXXX | XXXXXX | 7140408 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX was not included with the loan file. | information provided and accepted |  |  | 04/25/2025 |  | A | 1 | XXXX | WA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640243 | XXXXXX | XXXXXX | 7140409 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXXX income from collateralized note must have XX months of receipt of note income. XXXX XXXXXX note income without documenting receipt. |  | Compensating XXXXX XXX credit history, significant equity in subject property, XXXX history of homeownership, prior primary owned for over XXX years, low XXXX and XXXX fico score. |  |  |  | 04/20/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640243 | XXXXXX | XXXXXX | 7140410 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX shock to be under XXXX for XXXX over XXXXXX shock due to XXXX departing residence. |  | Compensating XXXXX XXX credit history, significant equity in subject property, XXXX history of homeownership, prior primary owned for over XXX years, low XXXX and XXXX fico score |  |  |  | 04/20/2025 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640244 | XXXXXX | XXXXXX | 7140411 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX amount XXXX below minimum XXXX |  | Exception approval received for loan amount of XXXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. |  |  |  | 04/24/2025 B | 2 | XXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640244 | XXXXXX | XXXXXX | 7140412 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX does not meet minimum XXXXX XXX |  | Exception granted: XXXX XXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. |  |  |  | 04/23/2025 B | 2 | XXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640244 | XXXXXX | XXXXXX | 7140413 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX of XXXX is required to use cash out for reserves |  | Exception granted: XXXX XXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. |  |  |  | 04/23/2025 B | 2 | XXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640244 | XXXXXX | XXXXXX | 7140414 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock XX not met with XXXX |  | Exception granted: XXXX XXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. |  |  |  | 04/23/2025 B | 2 | XXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640245 | XXXXXX | XXXXXX | 7140418 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXX XXXXX is missing from this file | CoreLogic report provided |  |  | 04/23/2025 |  | A | 1 | XXXX | MS | 1 | 1 C A | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640248 | XXXXXX | XXXXXX | 7140419 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX for credit score - minimum credit score is XXXXX qualifying score used is XXX |  | Compensating XXXXX XXXX mortgage payment history - XXXX residence will be an investment property over XXX months of XXXX in reserves |  |  |  | 04/25/2025 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640248 | XXXXXX | XXXXXX | 7140420 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX amount is XXXXX million, subject loan amount is XXXXX |  | Compensating XXXXX XXXX mortgage payment history - XXXX residence will be an investment property over XXX months of XXXX in reserves |  |  |  | 04/25/2025 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640248 | XXXXXX | XXXXXX | 7140421 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock max is XXXXX subject loan payment shock is XXXXX |  | Compensating XXXXX XXXX mortgage payment history - XXXX residence will be an investment property over XXX months of XXXX in reserves |  |  |  | 04/25/2025 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640250 | XXXXXX | XXXXXX | 7140423 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX must be XX years XXXXXX for the program. XXXX borrower is less than XX year XXXXXXX |  | The exception was approved for the borrower being XXXXXX less than XX years with the following compensating factors: XXXXX is XXXX with rent history paid on time; XXXXX has reserves at closing for XXXXX XXXX qualifying income is by previous year income and future income is XXXX higher. |  |  |  | 04/21/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1640250 | XXXXXX | XXXXXX | 7140424 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXXX to XXXXX XXXX for the XXXX XXXXX XXXXX is XXXX and the borrowers XXXXX to XXXXX XXXX is XXXX |  | The exception was approved for higher than max XXXX for program with the following compensating factors: XXXXX is XXXX with rent history paid on time; XXXXX has reserves at closing for XXXXX XXXX qualifying income is by previous year income and future income is XXXX higher. |  |  |  | 04/21/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1640250 | XXXXXX | XXXXXX | 7140425 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX is in a declining market. |  | The exception was approved for property in a declining market with the following compensating factors: XXXXX is XXXX with rent history paid on time; XXXXX has reserves at closing for XXXXX XXXX qualifying income is by previous year income and future income is XXXX higher. |  |  |  | 04/21/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1640251 | XXXXXX | XXXXXX | 7140426 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXXX for XXXX XXXX resident XXXX requires a minimum of XXX months housing payment. XXXXX has XX months rental payments. |  | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves |  |  |  | 04/22/2025 B | 2 | XXXX | VA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640251 | XXXXXX | XXXXXX | 7140427 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXXX requires XXXXX time investors to own their primary residence , borrower currently rents. |  | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves |  |  |  | 04/22/2025 B | 2 | XXXX | VA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640251 | XXXXXX | XXXXXX | 7140428 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXXX for loan amount less than XXXX subject loan amount is XXXX |  | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves |  |  |  | 04/22/2025 B | 2 | XXXX | VA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640251 | XXXXXX | XXXXXX | 7140429 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXXX for XXXX XXXX resident XXXX with less than XX years of XXX credit history. |  | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves |  |  |  | 04/22/2025 B | 2 | XXXX | VA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640251 | XXXXXX | XXXXXX | 7140430 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX report required for all loans, subject loan is missing the fraud report. | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided in initial upload. |  | Client 04/23/2025 06:02 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | VA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640251 | XXXXXX | XXXXXX | 7140431 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX guidelines, an unexpired copy of the borrowers passport is required | Received current XXX XXXXX and passport |  |  | 04/22/2025 |  | A | 1 | XXXX | VA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640252 | XXXXXX | XXXXXX | 7140984 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX loan is a non-arms-length transaction. |  | The exception for this loan being a non-arms-length transaction was granted with the following compensating factors: XXXXX credit XXXXX is XXXXX not a credit abuser; XXXX XXXX with reserves after closing of XXXXX and the borrower has good job stability for XX years. |  |  |  | 04/28/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640254 | XXXXXX | XXXXXX | 7141533 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX approval for XXXXX less than XXXX subject XXXXX is XXXX |  | Compensating XXXXX XXXX mortgage history- with two other properties owned free and clear XXXXX XX months XXXX in reserves |  |  |  | 04/22/2025 B | 2 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640255 | XXXXXX | XXXXXX | 7140436 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock max is XXXX subject property is free and clear |  | Compensating factors; XXXX credit score, XXXX ltv borrower owns home free and clear. |  |  |  | 04/20/2025 B | 2 | XXXX | OH | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640258 | XXXXXX | XXXXXX | 7140438 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX copy of final XXXXX with both borrowers start dates for business and employment. XXXX from the XXXXX and file information. | Received XXXXX with employment dates |  |  | 04/22/2025 |  | A | 1 | XXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640258 | XXXXXX | XXXXXX | 7140439 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX the updated corrected XXXX commitment reflecting loan amount of XXXXXXX | updated title received |  |  | 04/23/2025 |  | A | 1 | XXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640259 | XXXXXX | XXXXXX | 7140440 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock XXXX XXXXX payment shock is XXXXX |  | Compensating XXXXX XX months of reserves above the minimal XX months required. XXXXX income of XXXX above the minimal requirement of XXXX XXXXX history paid as agreed. XXX years at current residence. XXX years at current employer |  |  |  | 04/24/2025 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640260 | XXXXXX | XXXXXX | 7140441 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock is XXXX when XXXX is over XXXX |  | Exception allowing payment shock over XXXX for XXXX of XXXX XXXXX XXXXX XXX XXXXX history and overall XXXX credit profile, XXXXXX in assets, XXXXX in residual income. |  |  |  | 04/23/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640260 | XXXXXX | XXXXXX | 7140442 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX over XXXX require XX full appraisals |  | Exception allowing XX appraisal and XX appraisal reviews instead of XX full appraisals. XXXXX XXXXX XXX XXXXX history and overall XXXX credit profile, XXXXXX in assets, XXXXX in residual income. |  |  |  | 04/23/2025 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640261 | XXXXXX | XXXXXX | 7140444 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX needed for mixed use property. |  | Compensating XXXXXX XXXXX XXXXX history XX times XXX in XX years. |  |  |  | 04/29/2025 B | 2 | XXXX | MA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1640543 | XXXXXX | XXXXXX | 7140819 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX XXXX for borrower's departing residence to verify the most recent XXX months housing history. | received payment history |  | Reviewer 04/02/2025 05:59 PM; Documents received did not include the mortgage payment history for borrower's departing residence mortgage with XXX<br>| 05/15/2025 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141054 | 970 | XXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | XXXX XXX is missing, only the final XXX is provided. | Information provided |  |  | 03/18/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141055 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/18/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141056 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX approval to remove XXXX exception over XXXX since XXXX does not exceed XXX | received revised approval |  |  | 03/24/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141057 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX XXXXX bridge loan XXX evidencing no less than XXXXXX to borrower paying off lien with XXXXX XXX | Net received XXXX from XXXXX loan/sufficient cash for closing. |  |  | 03/19/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141058 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of XXXX monthly of XXXX for departing bridge loan property added to XXXX | Received XXXX XXXX included in XXXX XXXXX |  |  | 03/19/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141063 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX pages required for XXXX statement with XXXXX statement dated XXXXX evidencing ending balance XXXX XXXXX with combined balance XXXX evidencing XXX XXXXX clearing- only pages XX & XX were provided of XX page statement. | received XXXX statements |  |  | 03/24/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141064 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX loan analysis to show XXXX of XXXX monthly to belong to XXXXX and not XXXX | Received revised loan analysis |  |  | 05/19/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640700 | XXXXXX | XXXXXX | 7141139 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX > XXX |  | Collateral is above-average XXXXX condition, putting down XXXXX of own funds, all consumer credit is paid XX |  |  |  | 04/09/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1640700 | XXXXXX | XXXXXX | 7141140 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXX reflects borrower is renting at current residence. XXXX is needed | VOR requirement cleared by XXXXX XXXXX |  |  | 04/14/2025 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1640700 | XXXXXX | XXXXXX | 7141141 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX appraisal is management approved. XXXX inspection in file. | received final inspection |  |  | 04/10/2025 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1640700 | XXXXXX | XXXXXX | 7141142 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX used to qualify and standard income documentation required. XXXX approval in file to allow employment contract only. |  | Collateral is above-average XXXXX condition, putting down XXXXX of own funds, all consumer credit is paid XX |  |  |  | 04/10/2025 B | 2 | XXXX | GA | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1640189 | XXXXXX | XXXXXX | 7141541 | 852 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - H06 Policy required when master policy does not provide walls-in coverage |  | XXXX confirmation that XXXXX policy covers wall-in | Documentation received |  | Client 04/04/2025 11:09 AM; Hi, per loan underwriting analysis, there is no XXXX policy as the master policy covers betterments and improvements. XXXX<br>Reviewer 04/04/2025 11:16 AM; <br>Reviewer 04/04/2025 11:42 AM; This has been cleared. <br>XXXX<br>| 04/04/2025 |  | A | 1 | XXXX | WA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640205 | XXXXXX | XXXXXX | 7140350 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX was not included with the loan file. | CoreLogic XXXXX provided |  | Client 04/23/2025 06:22 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX<br>Client 04/24/2025 01:56 PM; Please confirm if this finding has been cleared, still showing as as active on our end. XXXX you. <br>Reviewer 04/24/2025 03:05 PM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | NH | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1640221 | XXXXXX | XXXXXX | 7140980 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXX documentation with medium and high alerts addressed. | CoreLogic XXXXX provided. |  | Client 04/23/2025 06:20 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640224 | XXXXXX | XXXXXX | 7140373 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX is missing from file. | CoreLogic XXXXX provided |  | Client 04/21/2025 05:43 PM; Documentation in file addresses fraud report alerts. XXXXX clarify what alerts still need to be addressed. XXXX you. <br>Reviewer 04/22/2025 08:09 AM; Condition has been reviewed. XXX<br>| 04/22/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640231 | XXXXXX | XXXXXX | 7140385 | 1015 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | XXXXX XXX XXXX for XXXXX & XXXXX for borrower income with XXX XXXXX XXX | Loan XXXXX states XXXXX XXXXX approval to use XXXXX in place of XXXX |  | Reviewer 04/24/2025 04:15 PM; Documents provided did not include XXX transcripts for borrower income with XXX XXXXX XXX<br>Client 04/29/2025 04:27 PM; Our guidelines do not require XXXX income for XXXXX income. XXXX you. <br>Reviewer 04/29/2025 08:43 PM; Condition has been reviewed. XXX<br>| 04/29/2025 |  | A | 1 | XXXX | FL | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640233 | XXXXXX | XXXXXX | 7140393 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXXX of XXXXX not reported on credit for additional investment condo XXXXX XXXX XXXX | Received mortgage statement XXXXX |  | Reviewer 04/10/2025 11:06 AM; The XXXXX would need to be confirmed as the XXXXX XXXXX show payments of XXXXX the XXXX shows XXXX<br>Client 04/10/2025 11:49 AM; Hi, additional XXXX a month would not impact XXXX calculations. XXXX<br>Reviewer 04/10/2025 12:37 PM; Condition has been reviewed. XXX<br>| 04/10/2025 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1640234 | XXXXXX | XXXXXX | 7140396 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX fraud report for both borrowers (individually) | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided. |  | Client 04/23/2025 06:08 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | GA | 1 | 1 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1640249 | XXXXXX | XXXXXX | 7140422 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | missing fraud report | CoreLogic XXXXX provided. |  | Client 04/23/2025 06:02 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX<br>Client 04/24/2025 11:26 AM; Can you please confirm if this finding has been cleared, still showing as a finding on our end. XXXX you.<br>Reviewer 04/24/2025 03:05 PM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640262 | XXXXXX | XXXXXX | 7140445 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXXX | Documents provided |  | Client 04/25/2025 11:33 AM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you.<br>Reviewer 04/25/2025 03:42 PM; condition cleared<br>| 04/25/2025 |  | A | 1 | XXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141060 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX pages required for XXXX statement with XXXXX for XXXXXX ending XXXXXX only pages XX of XX were provided. | Received XXXX XXXXX XXXXX |  | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX<br>Reviewer 04/15/2025 04:50 PM; Documents received did not include statement XXXX<br>Reviewer 05/19/2025 11:07 AM; Did not receive all pages of the XXXXX and XXXXX XXXXX XXXX statements for XXXX<br>| 05/19/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140456 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX evidence borrower is XXXXX sole owner of business | Received evidence of business ownership by borrower |  | Client 03/05/2025 01:27 PM; LLC docs in file confirm ownership. XXXX you. <br>Reviewer 03/05/2025 04:52 PM; Condition has been reviewed. XXX<br>| 03/05/2025 |  | A | 1 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640103 | XXXXXX | XXXXXX | 7140121 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXXX tolerance violation of XXXXX due to increase in appraisal management fee with no valid coc. XXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Information provided |  | Reviewer 03/11/2025 01:41 PM; No documentation provided<br>Reviewer 03/13/2025 12:20 PM; Received invoice reflecting the refund. XXXX need XXXXX reflecting the correct appraisal mgmt fee since the refund was issued before the final XXX <br>Reviewer 03/13/2025 04:10 PM; PCCD provided does not reflect the correct app mgmt fee of XXXX XX new XXXXX is required with corrections<br>Client 03/13/2025 04:18 PM; Please clarify, on page XXX it states XXXX XXXXX fee as XXXX now. XXXX<br>Reviewer 03/13/2025 06:37 PM; <br>Reviewer 03/14/2025 11:53 AM; Invoice provided has already been provided. XXX need a XXXXX to reflect the borrower was refunded the money. <br>Reviewer 03/14/2025 12:13 PM; Hello <br> XXXXX has been cleared. <br>XXXX<br>|  | 03/14/2025 | B | 2 | XXXX | NV | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640117 | XXXXXX | XXXXXX | 7140167 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXXX of ownership for each borrower required (assuming XXXXX | No income for co-borrower used. XXXXX of their company. XXXX is married to the borrower. |  | Client 04/03/2025 01:03 PM; No income for co-borrower used. XXXXX of their company. XXXX is married to the borrower. <br>Reviewer 04/03/2025 01:33 PM; Condition has been reviewed. XXX<br>| 04/03/2025 |  | A | 1 | XXXX | MS | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640131 | XXXXXX | XXXXXX | 7140196 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXX is a clergy member and a copy of the employment contract or a resolution from the church board or governing group certifying the terms of employment is required. | The XXXX contains the annual salary amount. |  | Reviewer 03/20/2025 04:01 PM; Document received did not include a copy of the employment contract certifying the terms of employment is required.<br>Client 03/21/2025 11:58 AM; Hi, the work number provides the employment data required and necessary. XXXX<br>Reviewer 03/21/2025 12:30 PM; Condition has been reviewed. XXX<br>| 03/21/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640143 | XXXXXX | XXXXXX | 7140233 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX to be dated within XXX days of note date XXXXX | When XXXX is missing a date XXXXX uses the file start date. XXXXX start date XXXXX |  | Client 04/03/2025 05:17 PM; When XXXX is missing a date we use the file start date. XXXXX start date XXXX XXXX you. <br>Reviewer 04/04/2025 08:07 AM; Condition has been reviewed. XXX<br>| 04/04/2025 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640098 | XXXXXX | XXXXXX | 7141521 | 324 | XXXX | Credit | UW Credit |  | UW Credit - UW - Debt Calculations Incorrect |  | XXXX XXXXX XXXX xXXXX with XXXXX balance to confirm payment of XXXX monthly installment loan. | Aqua XXXX has no monthly payment reporting on XXXXX XXXXX XXX of the balance for monthly payment to be conservative. XXXX credit report only shows this debt as "installment" |  | Client 03/24/2025 12:51 PM; Aqua XXXX has no monthly payment reporting on XXXXX XXXXX XXX of the balance for monthly payment to be conservative. XXXX credit report only show this debt as "installment" . XX blurb has been added to the credit approval notes. XXXX you. <br>Reviewer 03/24/2025 02:04 PM; Condition has been reviewed. XXX<br>| 03/24/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640151 | XXXXXX | XXXXXX | 7140247 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX manager approval for declining market for the subject property | Approved XXXX for XXXX XXXX in declining market |  | Reviewer 04/10/2025 07:53 AM; Loan XXXXX states XXXX of XXXX approved with XX appraisals. XXXXX does not mention declining market. XXX<br>Reviewer 04/11/2025 11:56 AM; Approved XXXX for XXXX XXXX in declining market<br>| 04/11/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640152 | XXXXXX | XXXXXX | 7140253 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX approval with exception granted for co-borrowers missing XXXXX income documentation. XXXXX was mentioned in email and was not on the approval. | Received XXX XXXXX approval for lack of XXXXX income/ XXXX borrowers home is free and clear; XXXX XXXX is XXXX XXXX primary borrower has a XXXXX of XXXX and no late payments. XXXX borrower has been employed with the same company since XXXXX |  | Reviewer 04/05/2025 06:23 PM; Received approval with exception for payment shock. XXXX not see any reference to missing XXXXX income.<br>| 04/08/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640157 | XXXXXX | XXXXXX | 7141707 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXX XXXX in file reflects XXXX XX XXXXX however closing docs reflect XXXXX XX XXXX XXXXX operating agreement that reflects the correct middle initial | Information provided |  | Reviewer 04/21/2025 01:57 PM; NO documentation provided<br>| 05/02/2025 |  | A | 1 | XXXX | ME | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1640161 | XXXXXX | XXXXXX | 7140273 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX reflecting exception approval for XXXX > XXXX required. | Addressed on loan summary approval document. |  | Client 04/09/2025 11:12 AM; Addressed on loan summary approval document. XXXX<br>Reviewer 04/09/2025 11:38 AM; Conditions have been reviewed. XXX<br>| 04/09/2025 |  | A | 1 | XXXX | GA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640181 | XXXXXX | XXXXXX | 7141713 | 98 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Appropriate riders attached and signed: |  | XXXX XXXX reflected the property was a XXXXX however, the XXXXX of XXXXXXX did not reflect a XXXX XXXX was required. XXXXX the XXXX XXXX was not attached. XXXXX provide updated XXXXX of XXXXXXX and a XXXXX of XXXXX to XXXXX | Information provided |  | Client 05/02/2025 12:33 PM; Confirming it's a voluntary association. XXXX only belong if you are going to fly a plane and use the runway from there. XXXX is not going to use the runway. XXXX she is not a part of it. XX have uploaded documentation from the XXXXXX XXXX you. <br>Reviewer 05/02/2025 12:39 PM; <br>Reviewer 05/05/2025 11:18 AM; This has been cleared. <br>XXXX<br>| 05/05/2025 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1640185 | XXXXXX | XXXXXX | 7140313 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX XXXX , XXXX XXXXX XXXX | Management approval for XXXXX amount reflected in loan details of loan approval in file |  | Reviewer 04/03/2025 02:24 PM; Provide updated loan approval reflecting exception approval<br>Client 04/03/2025 06:48 PM; Management approval for both XXXXX and XXXXX amount already reflected in loan details of loan approval in file. XXXXX clear, thank you.<br>Reviewer 04/04/2025 11:52 AM; Condition has been reviewed. XXX<br>| 04/04/2025 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640188 | XXXXXX | XXXXXX | 7140322 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXX to verify XXX XXXX ownership and XXX XXXX ownership in XXXX missing from file. XXXX XXXX XXX XXXXX and XXXXX reflect XXXXX XX owns XXXX and XXX owns XXXX XXXX and XXXX in file reflects XXX owns XXXXX | received revised XXXX |  | Reviewer 04/23/2025 09:44 AM; The XXXXX received reflects XXXXX XXXXX owns XXXX or more of the XXXX XXXX operating statement and XXXX does not reflect her ownership<br>Reviewer 04/23/2025 11:49 AM; Provide the revised XXXXX with XXX having no ownership of business<br>| 04/24/2025 |  | A | 1 | XXXX | NM | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6948566 | 920 | XXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Pages X and X of X of the XXXXX signed XXXXX XXXX dated XX/XX/XXXX were not found in the file. XXXXX complete copy. | Information provided |  | Reviewer 12/07/2022 10:51 AM; CD uploaded. XXXXX, page X of X is still missing.<br>Reviewer 12/12/2022 07:03 PM; Nothing provided <br>Client 01/16/2023 08:22 PM; Final XX uploaded<br>Reviewer 01/17/2023 06:49 AM; <br>Reviewer 01/17/2023 09:44 AM; Hello, XX provided is a XXXX. XXXXX missing page X of the closing XX dated X/XX/XXXX. XXXX is needed for testing. XXXXX you<br>Reviewer 01/17/2023 11:08 AM; Still need page X of X of the XX/XX XX. <br>Client 01/17/2023 05:48 PM; All pages from the XX dated X.XX.XX have been uploaded<br>Reviewer 01/18/2023 06:53 AM; <br>Reviewer 01/18/2023 12:56 PM; Hello, XXX'd page X <br>| 01/18/2023 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6951025 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Satisfactory evidence of XXX% ownership of self employment for XXXX XXXXX with XXXX XXXXX XXX, and has been self employed for at least X years | received |  | Reviewer 12/06/2022 07:13 PM; The document received from the accountant does not reflect XXXX is XXX% owner and does not reflect X years self employment as reflected on the XXXX<br>| 12/12/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140973 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX updated loan approval reflecting the XXXXXX not a XXXX statement as rental income and note income was utilized. | Per page XXX of guidelines, using this approach to verifying rental income requires the loan to be considered a XXXX statement loan and should be priced accordingly. |  | Client 03/06/2025 12:49 PM; Per page XXX of guidelines, using this approach to verifying rental income requires the loan to be considered a XXXX statement loan and should be priced accordingly. XXXXX you. <br>Reviewer 03/06/2025 05:26 PM; Condition has been reviewed. XXX<br>| 03/06/2025 |  | A | 1 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640117 | XXXXXX | XXXXXX | 7140166 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX letter to be dated within XXX days of note date XXXXX | Processor XXXXX completed for XXXX letter dated XXXXX |  | Client 04/03/2025 12:52 PM; Processor XXXXX completed for XXXX letter dated XXXXX XXXX you. <br>Reviewer 04/03/2025 01:32 PM; Condition has been reviewed. XXX<br>| 04/03/2025 |  | A | 1 | XXXX | MS | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640126 | XXXXXX | XXXXXX | 7140180 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX final signed settlement statement for the sale of XXXXX XXXXX XXXXX XXXXX XXXXX home) | Wire confirmation provided. |  | Reviewer 03/12/2025 11:42 AM; The document received is not signed and dated by the borrower or the settlement agent<br>Client 03/13/2025 10:32 AM; Wire receipt from settlement of prior residence uploaded showing XXXX XXX title received the funds for closing. XXXX<br>Reviewer 03/13/2025 11:02 AM; Condition has been reviewed. XXX<br>| 03/13/2025 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640140 | XXXXXX | XXXXXX | 7140220 | 200 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | XXXXX provide the condo master insurance for review. | Documentation provided |  | Client 03/27/2025 05:38 PM; Per condo questionnaire, each unit has its own policy, there is no master XXXX policy. XXXX<br>Reviewer 03/27/2025 06:04 PM; <br>Reviewer 03/28/2025 11:10 AM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 03/28/2025 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1633702 | XXXXXX | XXXXXX | 7141537 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require two years self employed in same business. Borrower just changed from W-2 employee to 1099 self employed on 12/29/2023. |  | Compensating Factors Excellent credit (FICO 780), no derogatory credit, AA mortgage ratings (no late payments, strong income from good quality job (borrower is a XXXX), Low LTV for loan program (LTV is 63 max allowed is 80), high cash reserve level (28.92 months of reserves, 6 months required per guidelines) . | Client 11/19/2024 01:33 PM; Exception written on loan approval. Thanks.<br>Reviewer 11/19/2024 02:18 PM; condition cleared<br>|  |  | 11/19/2024 B | 2 | XXXX | HI | 2 | 3 D B | A | A |  | Non-QM | 1 |
| 1640098 | XXXXXX | XXXXXX | 7141520 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXX for XXXX XXXXX and XXXXX XXXXX (reports for XXXX and XXXX were provided) | SAM.gov report for XXXXX XXXX provided. XXX matches found |  | Reviewer 03/11/2025 08:23 PM; Received XXXX report for XXXX XXXXX and XXXXX XXXXX XXXXX provide the lender comments for all the medium and high alerts on the report and XXXX clearance for XXXX XXXX<br>Reviewer 03/24/2025 10:36 AM; Received XXXX clearance for XXXX XXXXX XXXXX provide the lender comments for all the medium and high alerts on the report <br>Client 03/24/2025 12:50 PM; SAM.gov report for XXXX XXXX has been uploaded – no matches found. XXXX alerts on the fraud report are the normal alerts. XXXX protocol is to comment on the number of high alerts and state the "documentation in file will address all alerts" XXXX can find these comments under the loan detail approval notes, final XXX analysis. XXXX you. <br>Reviewer 03/24/2025 02:04 PM; Condition has been reviewed. XXX<br>| 03/24/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640170 | XXXXXX | XXXXXX | 7140283 | 959 | XXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX XXXX amount XXXXX does not match the beginning balance in XXXX XX of XXXXX | Information provided |  | Client 04/03/2025 01:28 PM; If XXXX grade, please waive. XXXX<br>Reviewer 04/03/2025 01:33 PM; <br>Reviewer 04/04/2025 06:01 AM; Hello <br> this is not a XXX loan and the will either require an corrected XXXX or XXXX<br> XXXX<br>| 04/10/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640170 | XXXXXX | XXXXXX | 7140286 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX report reflects the following additional addresses in the last XX years XXXX XXX XXXX XXX XXXX & XXXXX XXXXX XXXX XXX XXXX XXX XXXX XXXX fraud report, these may belong to someone of a similar name. XXXX is needed regarding. | Per credit XXXXX address per the XXXXX is XXXXX XXXXX XXX since XXXX XXXXX license in file showing address of XXXXX XXXXX XXX since XXXX other addresses on credit are over XXXX years old, and XXXX XXXX report showing primary at XXXXX XXXXX XXX plus states borrower has only ever owned XX home (pg XXXXX XXXX – XXXX XXXXX different mailing address than borrower XXXX & XXXXX XXXXX XXXX XXX - XXXX XXXXX different mailing address than borrower |  | Client 04/10/2025 10:15 AM; Per credit XXXXX address per the XXXXX is XXXXX XXXXX XXX since XXXX XXXXX license in file showing address of XXXXX XXXXX XXX since XXXX other addresses on credit are over XXXX years old, and XXXX XXXX report showing primary at XXXXX XXXXX XXX plus states borrower has only ever owned XX home (pg XXXXX <br> XXXX – XXXX XXXXX different mailing address than borrower <br> XXXX & XXXXX XXXXX XXXX XXX - XXXX XXXXX di<br>Reviewer 04/10/2025 11:25 AM; Condition has been reviewed. XXX<br>| 04/10/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640180 | XXXXXX | XXXXXX | 7140303 | 444 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Annuity documentation |  | XXXX XXXXX XXXX need for XXXXX XXXXX XXXX account reflecting current XXXX pension account - XXXXX provided is from XXXX loan closed XXXX | Being used for income not for assets. XXXX statement provided was to verify length of annuity. XXXX is not a current balance – just the buyin amount – an updated statement would not change anything. XXXXX had XXX months remaining a of XXXXX – this was to evidence XXXX years continuance, and receipt was verified for both XXXX and XXXX XXXXX |  | Client 04/15/2025 12:01 PM; We are using this for income not for assets. XXXX statement provided was to verify length of annuity. XXXX is not a current balance – just the buyin amount – an updated statement would not change anything. XXXXX had XXX months remaining a of XXXXX – this was to evidence XXXX years continuance, and receipt was verified for both XXXX and XXXX XXXXX XXXX you. <br>Reviewer 04/15/2025 05:01 PM; Condition has been reviewed. XXX<br>| 04/15/2025 |  | A | 1 | XXXX | CO | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640185 | XXXXXX | XXXXXX | 7140312 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX loan amount is XXXX subject loan is XXXXXX | Management approval for XXXXX amount reflected in loan details of loan approval in file |  | Reviewer 04/03/2025 02:24 PM; Provide updated loan approval reflecting exception approval<br>Client 04/03/2025 06:48 PM; Management approval for both XXXXX and XXXXX amount already reflected in loan details of loan approval in file. XXXXX clear, thank you. <br>Reviewer 04/04/2025 11:52 AM; Condition has been reviewed. XXX<br>| 04/04/2025 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640222 | XXXXXX | XXXXXX | 7140369 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | missing XXXX schedule | Received schedule of XXX |  | Reviewer 04/23/2025 12:06 PM; Documents received did not include the XXXXX of all XXX<br>| 04/24/2025 |  | A | 1 | XXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640224 | XXXXXX | XXXXXX | 7140372 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX XXXX and XXXX for both properties owned by borrower. XXXXX to document if properties are in an XXXX | Received no XXXX documentation |  | Reviewer 04/17/2025 07:48 PM; Received mortgage statements including esacrows. XXXX evidence that XXXXX XXXX is not in a XXX<br>| 04/21/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640244 | XXXXXX | XXXXXX | 7140415 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of two new revolving accounts with XXXX evidencing balance XXXXX and payment monthly of XXXX each for both accounts. | Document received. XXXXX one account opened per XXXX in file. |  | Reviewer 04/24/2025 10:19 PM; There are XX loans on the XXXXX with XXXX XXXX received only verified one loan.<br>| 04/25/2025 |  | A | 1 | XXXX | AZ | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141059 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX pages required for XXXX statement with XXXXX for XXXXXX ending XXXXXX only pages XX & XX provided of XX pages. | Received XXXX XXXXX XXXXX |  | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX<br>Reviewer 04/15/2025 04:50 PM; Documents received did not include statement XXXX<br>Reviewer 05/19/2025 11:07 AM; Did not receive all pages of the XXXXX and XXXXX XXXXX XXXX statements for XXXX<br>| 05/19/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141062 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX pages required for XXXX statement with XXXXX for XXXXX ending XXXXX only page XX of XX pages were provided. | Received all pages of XXXXX ending XXXXX |  | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX<br>| 04/15/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6951026 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Satisfactory evidence of XXX% ownership of self employment for XXXX XXXXX XXXX with XXXX, and has been self employed for at least X years |  |  | Reviewer 12/06/2022 07:14 PM; The document received from the accountant does not reflect XXXX is XXX% owner <br>| 12/12/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 7049120 | 973 | XXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Need evidence of receipt for the XX/XX/XXXX XX. | information provided |  | Client 01/24/2023 07:27 PM; Hello, X/XX/XX is the cd included with the loan documents at closing. X/XX/XX is the final XX. XX are not required to have the final XX signed by the borrower and the final XX is sent by mail, I do not have tracking information for it.<br>Reviewer 01/25/2023 06:39 AM; <br>Reviewer 01/25/2023 09:25 AM; Hello, XXXX upload an XXX to the file. XXX you saying that the X/XX XX is a XXXX and not provided to the XXXXX at closing? XXXX affects how it is input into XXXX XXXX and how it is tested and we need a clear explanation so we know how to run it. XXXXX you!<br>Client 01/25/2023 06:05 PM; A XXX for the XX has been uploaded.<br>Reviewer 01/26/2023 06:46 AM; <br>Reviewer 01/26/2023 09:25 AM; per XXX X/XX XX is a XXXX- need evidence of $XXXX.XX refund to borrower<br>Reviewer 01/26/2023 09:26 AM; The XXX has been reviewed and the deficiency has been updated. XX X/XX XX is the XXXX proof of the refund to borrower is needed. <br>Thanks <br> Amber<br>Client 01/30/2023 02:19 PM; Check and XXX uploaded. <br>Reviewer 01/30/2023 04:00 PM; <br>Reviewer 01/30/2023 04:21 PM; need evidence of $XXXX.XX refund to borrower - need evidence borrower received refund (tracking can provided)<br>Reviewer 01/30/2023 04:48 PM; <br>Client 01/31/2023 05:20 PM; Tracking uploaded.<br>Reviewer 02/01/2023 06:48 AM; <br>Reviewer 02/01/2023 12:52 PM; <br>| 02/01/2023 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1633637 | XXXXXX | XXXXXX | 7131086 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Updated 1003/clarification required. The 1003 states the Borrower is S/E and owns 25% of Foust Restaurant; however, the UW Analysis reflects borrower is W2 but using bank statements. If Borrower is S/E and owns > 25% of Foust Restaurant, SEQ and 3rd party verification required. | Revised 1003 provided reflects borrower is not self-employed. |  | Reviewer 12/10/2024 01:48 PM; 3rd party verification must document % of ownership. <br>| 01/13/2025 |  | A | 1 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1633660 | XXXXXX | XXXXXX | 7131132 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX evidence XXXXX has been installed, and bathroom has been completed. | Appraisal is marked "as is", the bathroom missing the vanity has a functioning shower and toilet, and there are two other functioning bathrooms. XXXX the appraiser marking "as is", XXXXX accepted the appraisal. |  | Client 02/19/2025 10:48 AM; Hi, appraisal is marked "as is", the bathroom missing the vanity has a functioning shower and toilet, and there are two other functioning bathrooms. XXXX the appraiser marking "as is", XXXXX accepted the appraisal. XXXX<br>Reviewer 02/19/2025 11:22 AM; Condition has been reviewed. XXX<br>| 02/19/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1640157 | XXXXXX | XXXXXX | 7141706 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX XXXXX signed in file reflects XXXX XX XXXXX however closing docs reflect XXXXX XX XXXX XXXXX corrected XXX reflecting the correct middle initial. | Information provided |  | Client 04/04/2025 04:39 PM; Signature line on personal guaranty in file corrected to reflect borrower's correct middle initial. XXXX you. <br>Reviewer 04/06/2025 04:48 PM; <br>Reviewer 04/07/2025 12:01 PM; Hello <br> XXXX corrected docs have not been uploaded to the loan. <br>XXXX<br>Reviewer 04/08/2025 08:39 AM; Page XX still reflects XXXXX XX and the correction on page XX below the signature must be initialed by the borrower. XXXX changes must be initialed by the borrower<br>| 04/21/2025 |  | A | 1 | XXXX | ME | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1640220 | XXXXXX | XXXXXX | 7140363 | 904 | XXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXX final signed cd from sell of previous home. | Received fnal XX |  | Reviewer 04/22/2025 10:53 AM; Document received is not signed or stamped final by escrow<br>| 05/04/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640241 | XXXXXX | XXXXXX | 7140406 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX report required on all loans. | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided in initial upload. |  | Client 04/23/2025 06:05 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | NM | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1640254 | XXXXXX | XXXXXX | 7141534 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX report required on all loan, and is missing from the current file. | CoreLogic XXXXX provided XXXXXX that addresses fraud report findings has been provided in initial upload. |  | Client 04/23/2025 06:01 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1633781 | XXXXXX | XXXXXX | 7132222 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX provided to be dated within XXX days of note date XXXXX | An XXXX missing the date, we use the initial application and document package it arrived with to date the document |  | Reviewer 01/21/2025 04:14 PM; The document provided did not include a date.<br>Client 01/22/2025 11:04 AM; When we receive an XXXX missing the date, we use the initial application and document package it arrived with to date the document. XXXX<br>Reviewer 01/22/2025 11:30 AM; Condition has been reviewed. XXX<br>| 01/22/2025 |  | A | 1 | XXXX | CA | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1633699 | XXXXXX | XXXXXX | 7139673 | 861 | XXXX | Compliance | Note |  | Note - Other: |  | Sec. 4 of the note reflects that there is an addendum that supersedes the note. Please confirm there is no Prepayment Penalty. | Information provided |  | Client 11/20/2024 03:22 PM; Hi, there is no prepayment penalty. Thanks.<br>Reviewer 11/20/2024 03:29 PM; <br>Reviewer 11/21/2024 12:12 PM; This has been cleared. <br>Thanks!<br>| 11/21/2024 |  | A | 1 | XXXX | DC | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1633837 | XXXXXX | XXXXXX | 7132325 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXXX approval to use transferred appraisal. | Management approval for transferred appraisal on final loan approval. |  | Client 02/06/2025 11:37 AM; Management approvals already reflected on final loan approval. XXXX you. <br>Reviewer 02/06/2025 12:38 PM; Condition has been reviewed. XXX<br>| 02/06/2025 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140454 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence judgement on title with XXXXX XXXX has been cleared | Received satisfaction of judgement |  | Reviewer 03/07/2025 09:59 AM; Documents received did not clear this deficiency<br>| 03/24/2025 |  | A | 1 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640084 | XXXXXX | XXXXXX | 7140457 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXXX evidence fraud alert on credit has been cleared | received processor's certification |  | Reviewer 03/07/2025 09:57 AM; There is a XXXX XXXX on page XX of the credit report that states borrower is the victim of fraud and not to extend credit without confirming the consumer's identity. XXXX signed XXXX from processor that borrower was contacted.<br>| 03/13/2025 |  | A | 1 | XXXX | AZ | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1640086 | XXXXXX | XXXXXX | 7140463 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval, and XXXX XXXXX XXXXX to correct total XXXX for subject to show XXXXX monthly | received XXX analysis form |  | Reviewer 03/11/2025 03:00 PM; Did not receive the XXX analysis with correct total XXXX for subject to show XXXX<br>Client 03/11/2025 04:22 PM; Approval with correct XXXX has been uploaded. XXXX<br>Reviewer 03/12/2025 07:38 AM; Condition has been reviewed. XXX<br>| 03/11/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640107 | XXXXXX | XXXXXX | 7140972 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XX XXXXX XXXX for sale of the XXXX prior residence was not provided. | Information provided |  | Reviewer 03/06/2025 08:19 AM; The XXX received for borrower's prior home was not signed or XXXX by the closing company<br>| 03/06/2025 |  | A | 1 | XXXX | TX | 1 | 1 D B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640115 | XXXXXX | XXXXXX | 7140159 | 685 | XXXX | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Borrower names (Match to mortgage) If different audit for name affidavit |  | XXXXX updated title reflecting vesting in XXXXX XXXXX | Documentation provided |  | Reviewer 03/14/2025 11:23 AM; No documentation provided<br>Client 03/17/2025 12:25 PM; Hi, per XXXXX legal team, XXXX signature isn't needed for the mortgage. XXXX the property is held by the trust, only the trustee's signature on behalf of the trust is required to encumber the property. XXXX no inter vivos trust riders apply since this trust isn't an inter vivos trust.<br>Reviewer 03/17/2025 01:05 PM; <br>Reviewer 03/17/2025 03:39 PM; Hello <br> XXXX signed as individual not as a trustee. XXXXX are required. <br>XXXX<br>Client 03/18/2025 01:40 PM; Hi, the borrower/insured is the XXXX XXXXX which is also listed on the title commitment. XXXXX was not addressed in my previous escalation. XXXX<br>Reviewer 03/18/2025 01:55 PM; <br>Reviewer 03/19/2025 11:35 AM; Hello <br> XXXX title deficiency has been cleared. <br>XXXX<br>| 03/19/2025 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1640140 | XXXXXX | XXXXXX | 7140222 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX satisfactory evidence of monthly XXXXX insurance XXXXX and XXXX monthly of XXXXX for departing residence at XXXXX XX XXXX XXXXXX XXXXX XXXX XXX XXXXX | received XXXXX taxes and XXX |  | Reviewer 03/28/2025 09:37 AM; Did not receive the XXXX and XXX<br>| 03/30/2025 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1640098 | XXXXXX | XXXXXX | 7141522 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX XXXX of XXXXX and XXXX XXXX for property located at XXXXX | Received XXXX and tax documentation |  | Reviewer 03/11/2025 08:31 PM; <br>| 03/11/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640157 | XXXXXX | XXXXXX | 7141708 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX proof of the XXXX for XXXX XXXXX XXX | The XXXX is a single owner entity; therefore, the borrower was allowed by the state to file it with his social security #. |  | Client 04/04/2025 05:21 PM; The XXXX is a single owner entity so the borrower was allowed by the state to file it with his social security #. XXX does not have an XXXX XXXX you. <br>Reviewer 04/06/2025 05:02 PM; Condition has been reviewed. XXX<br>| 04/06/2025 |  | A | 1 | XXXX | ME | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1640170 | XXXXXX | XXXXXX | 7140285 | 397 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Inquiries not properly addressed |  | XXXXX report reflects the following credit inquiries XXXXX on XXXXX on XXXX XXXXX on XXXX XXXXX XXXX on XXXX XXXX XXXXX on XXXX & XXXXX XXXX on XXXXX | This was written to in the credit section of the XXXXX XXXXX of auto inquiries in XXXX XXXX are related to the XXXXX opened in XXXXX |  | Client 04/10/2025 10:15 AM; This was written to in the credit section of the XXXXX XXXXX of auto inquiries in XXXX XXXX are related to the XXXXX opened in XXXX XXXX you. <br>Reviewer 04/10/2025 11:25 AM; Condition has been reviewed. XXX<br>| 04/10/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640176 | XXXXXX | XXXXXX | 7140294 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX report reflects the following credit inquiry in the last XXXX days XXX of XXXXX on XXXX XXXXX XXXX on XXXX XXXXXX XXXXX on XXXX XXXXX XXXXX & XXX on XXXX & XXXXXXXX on XXXXX XXXXX of explanation is needed regarding. |  |  | Reviewer 04/15/2025 10:37 AM; LOE missing XXX of XXXXX on XXXX<br>Client 04/15/2025 12:00 PM; Only required to seek XXXXX on inquiries within the last XXX days. XXXX you. <br>Reviewer 04/15/2025 01:29 PM; Condition has been cleared.<br>| 04/15/2025 |  | A | 1 | XXXX | NC | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1640212 | XXXXXX | XXXXXX | 7140354 | 389 | XXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXX documentation. | CoreLogic XXXXX provided XXXXXX that addresses fraud report findings has been provided. |  | Client 04/24/2025 01:52 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you.<br>Reviewer 04/24/2025 03:05 PM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | UT | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640245 | XXXXXX | XXXXXX | 7140417 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXX XXXXX XXXX XXX XXXX approved appraiser. XXXXX XXXX | Loan XXXXX states XXXXX XXXXX to use XXXXX appraisal. |  | Client 04/22/2025 03:48 PM; management approval of broker appraisal reflected on loan approval already. XXXX you. <br>Reviewer 04/23/2025 10:59 AM; Condition has been reviewed. XXX<br>| 04/22/2025 |  | A | 1 | XXXX | MS | 1 | 1 C A | A | A C |  | Safe Harbor QM (APOR) | 1 |
| 1640258 | XXXXXX | XXXXXX | 7140437 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX evidence of XXXXX per XXXXX approval. XXXX acc# XXXXX for XXXX XXXXX for XXXX XXXXX for XXXX XXXXX for XXXX XXXXX for XXXXX XXXX XXXXX for XXXX XXXX acc# XXXXX for XXXXX | Upstart and XXXXX XXXXX are paid by the business, they were excluded not paid off XXXX XXXXX account is an XXXXX account – we verified reserves for this – XXXXX to close sheet provided to verify. XXXXX account XXXXX is an authorized user account so that was ignored. XXXX XXXXX lease was documented as paid in full – XXXX bought out and is now an installment – included in the XXXX – XXXX XXXXX uploaded |  | Client 04/24/2025 10:58 AM; Upstart and XXXXX XXXXX are paid by the business, they were excluded not paid off <br> XXXX XXXXX account is an XXXXX account – we verified reserves for this – XXXXX to close sheet provided to verify. XXXXX account XXXXX is an authorized user account so that was ignored. XXXX XXXXX lease was documented as paid in full – XXXX bought out and is now an installment – included in the XXXX – XXXX XXXXX uploaded. XXXX you. <br>Reviewer 04/24/2025 03:18 PM; Condition has been reviewed. XXX<br>| 04/24/2025 |  | A | 1 | XXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1640260 | XXXXXX | XXXXXX | 7140443 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX was not included with the loan file |  |  | Client 04/25/2025 12:26 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you.<br>Reviewer 04/25/2025 03:44 PM; condition cleared<br>| 04/25/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1640635 | XXXXXX | XXXXXX | 7141061 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX pages required for XXXX statement with XXXXX for XXXXXX ending XXXXX only page XX of XX pages provided | Received all pages of XXXXX ending XXXXX |  | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX<br>| 04/15/2025 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6947794 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Page X and X of the XXXXX XX dated XX/XX are missing. | Information provided |  | Reviewer 12/07/2022 10:51 AM; Duplicate <br>| 12/07/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6947797 | 901 | XXXX | Compliance | Compliance |  | Compliance - TRID Other |  | The XXXX is missing from file. | Information provided |  | Reviewer 10/28/2022 09:58 AM; SSPL provided is not within X days of the X/XX application date.<br>| 12/07/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1431768 | XXXX | XXXX | 6951043 | 433 | XXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Supply satisfactory evidence of funds to close of $XX,XXX.XX for XX day period, within XX days of XXXX date X/XX- XXX large deposits to be sourced and documented. | received |  | Reviewer 09/09/2022 07:05 PM; Funds verified in XXX account #XXXX = $XX,XXX and #XXXX = $XXX. XXXX funds to close is not sufficient and is short $XX,XXX<br>| 12/06/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1633660 | XXXXXX | XXXXXX | 7131128 | 205 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | XXXXX XXXX XXXXX reflected the subject property unit number as #; however, the XXXXX reflected the subject property unit number as #. | Information provided |  | Client 02/19/2025 10:51 AM; Hi, addresses match and the property is the same. XXXX<br>Reviewer 02/19/2025 11:09 AM; <br>Reviewer 02/19/2025 12:25 PM; Hello <br> XXXXX has been waived. <br>XXXX<br>| 02/20/2025 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1640104 | XXXXXX | XXXXXX | 7140131 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX in this file is not dated. XXX updated XXXX XXXXX is needed and must be dated | Processor cert accepted |  | Client 03/06/2025 12:37 PM; Dated XXXX cert for XXXX letter provided. XXXX you. <br>Reviewer 03/06/2025 02:42 PM; condition cleared<br>| 03/06/2025 |  | A | 1 | XXXX | MO | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1640110 | XXXXXX | XXXXXX | 7140148 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines for XXXXX loans requires all owners of the XXXX entity to guaranty the loan, unless senior management approves otherwise. XXXXX XX of XX owners guaranteed the loan. XXXXX owner has XXXX ownership. | Guaranties provided signed by both members separately |  | Reviewer 03/21/2025 12:01 PM; Did not receive XXXX approval of only XX of XX owners guaranteeing the loan<br>Reviewer 03/24/2025 04:57 PM; there should be an approval from XXXXX XXXXX XXXX allowing only XX of the business owners guaranteeing the loan.<br>Client 03/25/2025 10:07 AM; Hi, XXXXX XXXXX guaranty was part of the initial file upload. XXXX<br>Reviewer 03/25/2025 02:24 PM; Condition has been reviewed. XXX<br>| 03/25/2025 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1640138 | XXXXXX | XXXXXX | 7140214 | 72 | XXXX | Compliance | Closing Package |  | Closing Package - |  | XXXXX provide the XXXX documents for review. | Information provided |  | Reviewer 03/31/2025 01:50 PM; POA provided is not specific to the subject property. XXXX XXXX must be specific to this transaction<br>Client 04/01/2025 01:36 PM; This is an agency requirement which we don't follow. XXXX XXXX was approved by title and XXXX XXXX you.<br>Reviewer 04/01/2025 01:54 PM; <br>Reviewer 04/02/2025 12:26 PM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 04/02/2025 |  | A | 1 | XXXX | WA | 1 | 13 D B | C | A |  | Non-QM | 1 |

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## Exhibit 99.33

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.33**

![](evolve.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 05/28/2025 2:03:42 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1431768 | XXXXX | XXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1633699 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXXX | 0.58% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640081 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640082 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633702 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631547 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633706 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633707 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631553 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631592 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633726 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633637 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631598 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633735 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633737 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633762 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633777 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633781 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633803 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640083 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640084 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633660 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633834 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633837 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640085 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640086 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640087 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640088 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640089 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 3.17% | XXXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640090 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640091 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640092 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640093 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640094 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXXX | 0.75% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640095 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640096 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640097 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640098 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640099 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640100 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | -4.08% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640101 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640102 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640103 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640104 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640105 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 11.36% | XXXXX | 1073 |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640106 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640107 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640108 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640109 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640110 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640111 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640112 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 1.55% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640113 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640114 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640115 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640635 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640116 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640117 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640118 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1640119 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640120 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640121 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640122 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640123 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640124 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640125 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC B | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640126 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640127 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640128 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640129 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640543 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640131 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640132 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640133 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640134 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640135 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640136 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640137 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640138 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640139 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640140 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 5.58% | XXXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640141 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640142 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640143 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640144 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640145 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640146 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640147 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Consolidated Analytics | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640148 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640149 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640150 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1640151 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640152 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640153 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640154 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640155 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640156 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.64% | Vision VMC LLC B | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640157 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640158 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640159 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640160 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640161 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640162 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640163 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640164 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640165 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640166 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640167 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640168 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640169 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640170 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640171 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640172 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640173 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640174 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640175 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.00% | Vision VMC LLC B | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640176 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 4.85% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640177 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640178 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640179 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640180 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640181 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640182 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640183 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640184 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640185 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640186 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640187 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640188 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640189 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640190 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640191 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640192 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640193 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640194 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 7.02% | Vision VMC LLC B | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640195 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640196 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640197 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640198 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640199 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640200 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640201 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640202 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640203 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640204 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640205 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640206 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1640207 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640208 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640209 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640210 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640211 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640212 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640213 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640214 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640215 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640216 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640217 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640218 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640219 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640220 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1640221 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640222 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640223 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640224 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX |  | 0.00% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1640225 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640226 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640227 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640228 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640229 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640230 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640231 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.11% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640232 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640233 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640234 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640235 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640236 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1640237 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640238 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640239 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640240 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.03% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640241 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640700 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640242 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640243 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640244 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640245 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640246 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640247 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640248 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX | 13.81% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640249 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640250 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640251 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640252 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640253 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640254 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640255 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640256 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640257 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640258 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640259 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640260 | XXXX | XXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640261 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1640262 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1640263 | XXXX | XXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC A | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.34

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.34**

![](evolve.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 05/28/2025 2:03:42 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1431768 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1431768 | XXXX | XXXX | Doc Type |  | Bank Statement | Verified |
| 1431768 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1431768 | XXXX | XXXX | Mtg Pymt | 1946.62 | 2669.91 | Verified |
| 1431768 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1431768 | XXXX | XXXX | Qualifying DTI |  | 0.45801 | Verified |
| 1633699 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1633699 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1633699 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1640081 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1640081 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640081 | XXXX | XXXX | QM Status | Exempt | Non-QM |  |
| 1640081 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640081 | XXXX | XXXX | PITI | XXXXX | XXXXX | Verified |
| 1640082 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1640082 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640082 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1633702 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1633702 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1633702 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1633702 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1631547 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633706 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633706 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633707 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1631553 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1631553 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633726 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633726 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633735 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1633737 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1633762 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633777 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization |  |
| 1633781 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633803 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633803 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640083 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640084 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640084 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633660 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1633660 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633834 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1633837 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1633837 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640085 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1640085 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640086 | XXXX | XXXX | Qualifying DTI | 0.44176 | 0.44427 | Verified |
| 1640086 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640086 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640087 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640087 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640088 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640088 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640089 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1640089 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640090 | XXXX | XXXX | Qualifying DTI | 0.27017 | 0.30531 | Verified |
| 1640090 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1640091 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1640092 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640093 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640094 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1640094 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640094 | XXXX | XXXX | Doc Type | Alternative | Bank Statement |  |
| 1640095 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640095 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640096 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640097 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640098 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1640099 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640100 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1640100 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640100 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640101 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640102 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640103 | XXXX | XXXX | Qualifying DTI | 0.44708 | 0.44719 | Verified |
| 1640103 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640104 | XXXX | XXXX | Qualifying DTI | 0.52725 | 0.49996 | Verified |
| 1640104 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640105 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1640105 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640105 | XXXX | XXXX | PITI | XXXXX | XXXXX | Verified |
| 1640106 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640107 | XXXX | XXXX | Doc Type | Alternative | Bank Statement |  |
| 1640109 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640110 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640110 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640110 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640111 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640112 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640113 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640113 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1640114 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640114 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640115 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1640115 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1640635 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640116 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640116 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640117 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640118 | XXXX | XXXX | Appraised Value | XXXX | XXXX |  |
| 1640118 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640118 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640118 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640120 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640121 | XXXX | XXXX | Doc Type | Alternative | Full |  |
| 1640122 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640122 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640123 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640123 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640124 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640125 | XXXX | XXXX | QM Status | Exempt | Non-QM |  |
| 1640125 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640126 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified |
| 1640126 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640127 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640127 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640128 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640129 | XXXX | XXXX | Property Type | Attached | Townhouse | Verified |
| 1640129 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640543 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640543 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640131 | XXXX | XXXX | QM Status | Exempt | Non-QM |  |
| 1640132 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640133 | XXXX | XXXX | Doc Type | Alternative | Full | Verified |
| 1640134 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640135 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1640135 | XXXX | XXXX | Property Zip | XXXX | XXXXX |  |
| 1640136 | XXXX | XXXX | Qualifying DTI |  | 0.36725 | Verified |
| 1640136 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640136 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640137 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640138 | XXXX | XXXX | Property Type | Condominium | Townhouse |  |
| 1640138 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640139 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640140 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement |  |
| 1640141 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640141 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640142 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640142 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640142 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640143 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640144 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640144 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640144 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640145 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640146 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1640146 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1640147 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640147 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640148 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1640148 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640148 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640149 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640152 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1640153 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640154 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640155 | XXXX | XXXX | Qualifying DTI | 0.19662 | 0.34219 | Verified |
| 1640155 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640156 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1640156 | XXXX | XXXX | Qualifying DTI | 0.45097 | 0.50935 | Verified |
| 1640156 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640156 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640157 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640157 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640158 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640158 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640159 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640161 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1640161 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640161 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640162 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640163 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640163 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640163 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640165 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640165 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640167 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1640168 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640168 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640168 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640170 | XXXX | XXXX | Qualifying DTI | 0.38264 | 0.34090 | Verified |
| 1640170 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640172 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640172 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640173 | XXXX | XXXX | Qualifying DTI | 0.30410 | 0.24329 |  |
| 1640173 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640174 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640174 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640175 | XXXX | XXXX | Property Zip | XXXX | XXXXX |  |
| 1640176 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640177 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640178 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1640178 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640178 | XXXX | XXXX | QM Status | Exempt | Non-QM |  |
| 1640178 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640178 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640179 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640180 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640180 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640181 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1640181 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640181 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Verified |
| 1640181 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640181 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640182 | XXXX | XXXX | Qualifying DTI | 0.48114 | 0.48469 | Verified |
| 1640182 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640183 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1640185 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640185 | XXXX | XXXX | Doc Type | Reduced | Debt Service Coverage | Verified |
| 1640185 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640186 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640188 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1640188 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640189 | XXXX | XXXX | Qualifying DTI | 0.46282 | 0.45606 | Verified |
| 1640189 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640189 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640190 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1640190 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640190 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640191 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement |  |
| 1640192 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640192 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640193 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1640193 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640194 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640194 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640195 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640195 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640196 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640197 | XXXX | XXXX | DSCR | 0.808 | 1.080 | Verified |
| 1640197 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640197 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640199 | XXXX | XXXX | Doc Type | Alternative | Bank Statement |  |
| 1640199 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640200 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640201 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640202 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640203 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640204 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640204 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640205 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640205 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640205 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640207 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640208 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640208 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640209 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640209 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640210 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640210 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640210 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640211 | XXXX | XXXX | Qualifying DTI | 0.43606 | 0.43587 | Verified |
| 1640213 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640214 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640214 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640214 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640215 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640216 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640217 | XXXX | XXXX | Property Type | Attached | PUD-Attached | Verified |
| 1640217 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640218 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640219 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640219 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640219 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640220 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640221 | XXXX | XXXX | Qualifying DTI | 0.47339 | 0.47585 | Verified |
| 1640221 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640221 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640222 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1640222 | XXXX | XXXX | Qualifying DTI | 0.46731 | 0.46725 | Verified |
| 1640222 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640223 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1640223 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640224 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640225 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640225 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640225 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640226 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640226 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640227 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640228 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640228 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640228 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640229 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640231 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640232 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640232 | XXXX | XXXX | Doc Type | Alternative | Bank Statement |  |
| 1640233 | XXXX | XXXX | Qualifying DTI | 0.26896 | 0.36447 | Verified |
| 1640233 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1640234 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640235 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640236 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1640237 | XXXX | XXXX | DSCR | 0.786 |  | Verified |
| 1640237 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1640239 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc |  |
| 1640240 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640241 | XXXX | XXXX | Qualifying DTI | 0.47504 | 0.47810 |  |
| 1640241 | XXXX | XXXX | Doc Type | Alternative | Bank Statement |  |
| 1640241 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640700 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640700 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640242 | XXXX | XXXX | Qualifying DTI | 0.48779 | 0.48781 | Verified |
| 1640242 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640243 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640244 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1640246 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640246 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640247 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640248 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1640248 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640249 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1640249 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640250 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1640251 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640251 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640252 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1640253 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1640253 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1640253 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | Verified |
| 1640253 | XXXX | XXXX | Property Type | PUD | Two Family | Verified |
| 1640253 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1640253 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640254 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640254 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640254 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640255 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640255 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640256 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640258 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640259 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1640260 | XXXX | XXXX | Qualifying DTI | 0.49458 | 0.48935 | Verified |
| 1640260 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1640261 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640261 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640262 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640262 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640262 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |
| 1640263 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1640263 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1640263 | XXXX | XXXX | Property Zip | XXXX | XXXXX | Verified |

---

## Exhibit 99.35

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.35**

![](evolve.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 05/28/2025 2:03:42 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1431768 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17987.71 | 07/11/2022 | 7.554% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1633699 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/13/2024 | 8.42% | Employed |  | US Citizen |  |  |  | Yes | $36775.48 |
| 1640081 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/03/2025 | 7.451% | Not Required | Not Required | US Citizen |  | US Citizen |  | Yes | $33535.17 |
| 1640082 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/21/2025 | 8.293% | Not Required | Not Required | US Citizen |  | US Citizen |  | Yes | $19428.55 |
| 1633702 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8597.80 | 11/12/2024 | 8.289% | Self-Employed |  | US Citizen |  |  |  | Yes | $10187.39 |
| 1631547 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/21/2024 | 8.398% | Employed |  | US Citizen |  |  |  | Yes | $2645.33 |
| 1633706 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/16/2025 | 8.801% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $5091.50 |
| 1633707 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/13/2024 | 8.141% | Self-Employed |  | US Citizen |  |  |  | Yes | $1822.67 |
| 1631553 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21227.60 | 11/22/2024 | 9.085% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $14620.98 |
| 1631592 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/09/2024 | 9.443% | Employed |  | Non Permanent Resident Alien |  |  |  | Yes | $2842.77 |
| 1633726 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/13/2024 | 8.665% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $22416.90 |
| 1633637 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11007.50 | 12/05/2024 | 7.612% | Self-Employed |  | US Citizen |  |  |  | Yes | $3037.28 |
| 1631598 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/02/2024 | 8.695% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $14910.60 |
| 1633735 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/09/2024 | 7.71% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4843.18 |
| 1633737 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/11/2024 | 9.226% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11710.12 |
| 1633762 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/08/2025 | 9.768% | Self-Employed |  | US Citizen |  |  |  | Yes | $267413.63 |
| 1633777 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 12/26/2024 | 9.242% | Retired |  | US Citizen |  |  |  | Yes | $12547.02 |
| 1633781 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/10/2025 | 9.512% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $4217.69 |
| 1633803 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 01/07/2025 | 7.855% | Self-Employed |  | US Citizen |  |  |  | Yes | $10749.63 |
| 1640083 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 7.168% | Self-Employed |  | US Citizen |  |  |  | Yes | $27165.68 |
| 1640084 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/24/2025 | 10.332% | Self-Employed |  | US Citizen |  |  |  | Yes | $6903.24 |
| 1633660 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/14/2025 | 8.06% | Retired |  | US Citizen |  |  |  | Yes | $15111.96 |
| 1633834 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 01/31/2025 | 7.931% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7092.07 |
| 1633837 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16741.92 | 01/27/2025 | 8.745% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $9216.53 |
| 1640085 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/27/2025 | 8.215% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10462.20 |
| 1640086 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/27/2025 | 7.869% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $7843.95 |
| 1640087 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/07/2025 | 7.649% | Self-Employed |  | US Citizen |  |  |  | Yes | $6608.70 |
| 1640088 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/05/2025 | 7.626% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $69464.69 |
| 1640089 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640090 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 02/28/2025 | 8.162% | Retired |  | US Citizen |  |  |  | Yes | $20491.33 |
| 1640091 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/28/2025 | 7.284% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $18445.60 |
| 1640092 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/26/2025 | 7.551% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8171.28 |
| 1640093 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Non Permanent Resident Alien |  |  |  | No |  |
| 1640094 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/25/2025 | 7.824% | Self-Employed |  | US Citizen |  |  |  | Yes | $70800.97 |
| 1640095 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/07/2025 | 8.971% | Self-Employed |  | US Citizen |  |  |  | Yes | $11043.92 |
| 1640096 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640097 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/03/2025 | 7.657% | Self-Employed |  | US Citizen |  |  |  | Yes | $2624.52 |
| 1640098 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/04/2025 | 7.563% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $27988.20 |
| 1640099 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/05/2025 | 7.588% | Unemployed | Employed | US Citizen |  | US Citizen |  | Yes | $9250.38 |
| 1640100 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640101 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640102 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640103 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/03/2025 | 8.057% | Employed |  | US Citizen |  |  |  | Yes | $2132.35 |
| 1640104 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/28/2025 | 7.513% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $2528.91 |
| 1640105 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/07/2025 | 7.558% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $83773.17 |
| 1640106 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/06/2025 | 7.603% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5228.53 |
| 1640107 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 02/27/2025 | 7.428% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $11763.14 |
| 1640108 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/10/2025 | 7.663% | Employed |  | US Citizen |  |  |  | Yes | $6000.19 |
| 1640109 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/10/2025 | 7.306% | Self-Employed |  | US Citizen |  |  |  | Yes | $10870.96 |
| 1640110 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640111 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 02/26/2025 | 7.334% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $22023.43 |
| 1640112 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 02/27/2025 | 7.428% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $7467.03 |
| 1640113 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/04/2025 | 7.716% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $15181.09 |
| 1640114 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/18/2025 | 7.296% | Self-Employed |  | US Citizen |  |  |  | Yes | $6298.52 |
| 1640115 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/06/2025 | 7.401% | Self-Employed |  | US Citizen |  |  |  | Yes | $6974.39 |
| 1640635 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/06/2025 | 7.664% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4278.20 |
| 1640116 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1640117 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/27/2025 | 7.796% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8860.08 |
| 1640118 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640119 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5532.50 | 04/07/2025 | 7.57% | Employed |  | US Citizen |  |  |  | Yes | $9202.53 |
| 1640120 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/03/2025 | 8.731% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $38951.89 |
| 1640121 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 02/13/2025 | 8.104% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $1645.65 |
| 1640122 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640123 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640124 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/01/2025 | 7.632% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7270.80 |
| 1640125 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/12/2025 | 7.722% | Self-Employed |  | US Citizen |  |  |  | Yes | $7727.34 |
| 1640126 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/05/2025 | 7.629% | Self-Employed |  | US Citizen |  |  |  | Yes | $11988.06 |
| 1640127 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $33145.00 | 04/16/2025 | 8.599% | Self-Employed |  | US Citizen |  |  |  | Yes | $14638.85 |
| 1640128 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640129 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640543 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 7.676% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4164.15 |
| 1640131 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/10/2025 | 7.686% | Employed |  | US Citizen |  |  |  | Yes | $3608.34 |
| 1640132 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640133 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/12/2025 | 7.705% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3452.44 |
| 1640134 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/13/2025 | 7.885% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5434.34 |
| 1640135 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/27/2025 | 8.275% | Employed |  | US Citizen |  |  |  | Yes | $2245.43 |
| 1640136 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/14/2025 | 8.895% | Self-Employed |  | US Citizen |  |  |  | Yes | $5490.42 |
| 1640137 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/17/2025 | 7.978% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $3993.04 |
| 1640138 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/21/2025 | 9.487% | Retired |  | US Citizen |  |  |  | Yes | $2145.53 |
| 1640139 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1640140 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/21/2025 | 7.497% | Self-Employed |  | US Citizen |  |  |  | Yes | $28498.10 |
| 1640141 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640142 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/21/2025 | 9.17% | Self-Employed |  | US Citizen |  |  |  | Yes | $4309.68 |
| 1640143 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 7.541% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4368.39 |
| 1640144 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1640145 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1640146 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/27/2025 | 7.94% | Self-Employed |  | US Citizen |  |  |  | Yes | $6646.40 |
| 1640147 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $19083.38 | 04/15/2025 | 7.685% | Self-Employed |  | US Citizen |  |  |  | Yes | $16693.64 |
| 1640148 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1640149 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640150 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/27/2025 | 7.50% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $14310.81 |
| 1640151 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/27/2025 | 8.029% | Employed |  | US Citizen |  |  |  | Yes | $13126.58 |
| 1640152 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/24/2025 | 7.365% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4333.80 |
| 1640153 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 8.458% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6527.58 |
| 1640154 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/26/2025 | 7.951% | Self-Employed |  | US Citizen |  |  |  | Yes | $33031.48 |
| 1640155 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 9.001% | Employed |  | US Citizen |  |  |  | No |  |
| 1640156 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/25/2025 | 7.858% | Employed |  | US Citizen |  |  |  | Yes | $7700.79 |
| 1640157 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640158 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12851.12 | 04/11/2025 | 7.866% | Self-Employed |  | US Citizen |  |  |  | Yes | $20255.31 |
| 1640159 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 7.088% | Self-Employed |  | US Citizen |  |  |  | Yes | $26996.69 |
| 1640160 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11309.25 | 04/09/2025 | 7.675% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $10964.84 |
| 1640161 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 8.105% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5403.37 |
| 1640162 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/25/2025 | 8.333% | Employed |  | US Citizen |  |  |  | Yes | $5116.13 |
| 1640163 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640164 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 6.929% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $13228.12 |
| 1640165 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640166 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/02/2025 | 7.398% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4905.72 |
| 1640167 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 7.31% | Employed |  | US Citizen |  |  |  | Yes | $14575.80 |
| 1640168 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1640169 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/25/2025 | 7.678% | Self-Employed |  | US Citizen |  |  |  | Yes | $13594.89 |
| 1640170 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 7.886% | Self-Employed |  | US Citizen |  |  |  | Yes | $20117.79 |
| 1640171 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/27/2025 | 7.766% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $26671.11 |
| 1640172 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640173 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5533.43 | 04/11/2025 | 7.378% | Retired |  | US Citizen |  |  |  | Yes | $4563.63 |
| 1640174 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640175 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $3247.48 |
| 1640176 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/26/2025 | 9.018% | Employed |  | US Citizen |  |  |  | No |  |
| 1640177 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/24/2025 | 7.753% | Self-Employed |  | US Citizen |  |  |  | Yes | $5879.11 |
| 1640178 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16245.00 | 04/09/2025 | 9.363% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11539.51 |
| 1640179 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1640180 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/01/2025 | 7.264% | Retired |  | US Citizen |  |  |  | Yes | $2930.38 |
| 1640181 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640182 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7595.68 | 04/09/2025 | 7.549% | Employed |  | US Citizen |  |  |  | Yes | $6628.34 |
| 1640183 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/25/2025 | 7.459% | Retired | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10725.70 |
| 1640184 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8993.00 | 04/04/2025 | 7.603% | Employed |  | US Citizen |  |  |  | Yes | $20960.43 |
| 1640185 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1640186 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 8.07% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $41801.42 |
| 1640187 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/31/2025 | 8.002% | Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $4743.98 |
| 1640188 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/02/2025 | 8.043% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $3325.15 |
| 1640189 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12152.87 | 03/26/2025 | 7.576% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9992.12 |
| 1640190 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 8.381% | Self-Employed |  | Foreign National |  |  |  | Yes | $19919.48 |
| 1640191 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8607.80 | 04/15/2025 | 7.999% | Employed |  | US Citizen |  |  |  | Yes | $3757.88 |
| 1640192 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640193 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640194 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640195 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640196 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 03/31/2025 | 7.852% | Employed |  | US Citizen |  |  |  | Yes | $3019.33 |
| 1640197 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640198 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/04/2025 | 7.831% | Self-Employed |  | US Citizen |  |  |  | Yes | $14835.20 |
| 1640199 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9285.46 | 04/21/2025 | 7.513% | Self-Employed |  | US Citizen |  |  |  | Yes | $7303.40 |
| 1640200 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/28/2025 | 7.986% | Self-Employed |  | US Citizen |  |  |  | Yes | $17183.33 |
| 1640201 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14322.87 | 04/15/2025 | 7.55% | Self-Employed |  | US Citizen |  |  |  | Yes | $5026.00 |
| 1640202 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9246.78 | 04/14/2025 | 7.724% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4481.43 |
| 1640203 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7593.50 | 04/04/2025 | 7.546% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $6846.42 |
| 1640204 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640205 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5665.00 | 04/14/2025 | 8.103% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1640206 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6995.00 | 04/09/2025 | 7.366% | Self-Employed |  | US Citizen |  |  |  | Yes | $4804.53 |
| 1640207 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $21129.66 | 04/08/2025 | 7.589% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16893.35 |
| 1640208 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640209 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5532.50 | 04/12/2025 | 7.728% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3551.94 |
| 1640210 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 8.22% | Retired |  | US Citizen |  |  |  | Yes | $4089.83 |
| 1640211 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/17/2025 | 7.439% | Retired | Employed | US Citizen |  | US Citizen |  | Yes | $2969.63 |
| 1640212 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $13310.00 | 04/10/2025 | 7.798% | Employed |  | US Citizen |  |  |  | Yes | $4850.74 |
| 1640213 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8464.92 | 04/17/2025 | 7.136% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4990.58 |
| 1640214 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640215 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640216 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/02/2025 | 7.608% | Retired |  | US Citizen |  |  |  | Yes | $3441.68 |
| 1640217 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/11/2025 | 8.576% | Self-Employed |  | US Citizen |  |  |  | Yes | $22202.26 |
| 1640218 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien |  |  |  | No |  |
| 1640219 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $8590.00 | 04/16/2025 | 7.646% | Not Required | Not Required | US Citizen |  | US Citizen |  | Yes | $9935.29 |
| 1640220 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9741.88 | 04/08/2025 | 7.883% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6308.03 |
| 1640221 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $16666.66 | 04/04/2025 | 7.548% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640222 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8393.39 | 04/10/2025 | 8.144% | Self-Employed |  | US Citizen |  |  |  | Yes | $6464.27 |
| 1640223 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640224 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/04/2025 | 7.114% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $21784.81 |
| 1640225 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/06/2025 | 7.95% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $7547.14 |
| 1640226 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | -$3866.26 |
| 1640227 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 7.488% | Self-Employed |  | Non Permanent Resident Alien |  |  |  | No |  |
| 1640228 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1640229 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $16107.06 | 04/17/2025 | 9.207% | Self-Employed |  | US Citizen |  |  |  | Yes | $17387.12 |
| 1640230 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14800.28 | 04/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18019.99 |
| 1640231 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/18/2025 | 8.469% | Employed | Self-Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $5766.38 |
| 1640232 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5595.00 | 04/08/2025 | 7.802% | Self-Employed |  | US Citizen |  |  |  | Yes | $4221.63 |
| 1640233 | XXXX | XXXX | Exempt | N/A | No | XXXX | Yes | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4896.68 |
| 1640234 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $13295.00 | 04/17/2025 | 7.955% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8816.08 |
| 1640235 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13486.57 | 04/08/2025 | 7.25% | Employed |  | US Citizen |  |  |  | Yes | $4457.12 |
| 1640236 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $14515.00 | 04/11/2025 | 7.284% | Self-Employed |  | US Citizen |  |  |  | Yes | $12829.80 |
| 1640237 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | No |  |
| 1640238 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $13497.85 | 04/09/2025 | 7.602% | Employed | Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $16161.05 |
| 1640239 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10604.00 | 04/09/2025 | 7.599% | Self-Employed |  | US Citizen |  |  |  | Yes | $4253.57 |
| 1640240 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7212.97 | 04/17/2025 | 7.344% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16965.14 |
| 1640241 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/10/2025 | 7.69% | Self-Employed |  | US Citizen |  |  |  | Yes | $4945.40 |
| 1640700 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 03/31/2025 | 7.508% | Not Required | Employed | US Citizen |  | Permanent Resident Alien |  | Yes | $3089.62 |
| 1640242 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $21794.75 | 04/17/2025 | 8.542% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $12380.44 |
| 1640243 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9993.35 | 04/10/2025 | 7.607% | Retired |  | US Citizen |  |  |  | Yes | $3883.93 |
| 1640244 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5419.00 | 04/14/2025 | 11.183% | Employed |  | US Citizen |  |  |  | Yes | $3013.42 |
| 1640245 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $1670.00 | 04/15/2025 | 8.215% | Employed |  | US Citizen |  |  |  | Yes | $8414.02 |
| 1640246 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1640247 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Non Permanent Resident Alien |  |  |  | No |  |
| 1640248 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 04/17/2025 | 8.774% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640249 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1640250 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/08/2025 | 8.215% | Self-Employed |  | US Citizen |  |  |  | Yes | $2643.88 |
| 1640251 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Non Permanent Resident Alien |  |  |  | No |  |
| 1640252 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 04/22/2025 | 7.494% | Self-Employed |  | US Citizen |  |  |  | Yes | $3410.07 |
| 1640253 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640254 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1640255 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14402.00 | 04/08/2025 | 8.318% | Retired |  | US Citizen |  |  |  | Yes | $4213.56 |
| 1640256 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15398.14 | 04/11/2025 | 7.80% | Self-Employed |  | US Citizen |  |  |  | Yes | $8553.35 |
| 1640257 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $12174.20 | 04/16/2025 | 7.761% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11945.21 |
| 1640258 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6349.05 | 04/16/2025 | 8.725% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8237.97 |
| 1640259 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11745.00 | 04/16/2025 | 7.361% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6646.78 |
| 1640260 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $36217.81 | 04/14/2025 | 7.753% | Employed |  | US Citizen |  |  |  | Yes | $15601.91 |
| 1640261 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640262 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1640263 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |

---

## Exhibit 99.36

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.36**

![](evolve.jpg)

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| |
|:---|
| **Business Purpose Data** |
| **Run Date - 05/28/2025 2:03:42 PM** |

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** |
| 1640089 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250201 | Debt Service Coverage | Yes | No | $0.00 | $35625.00 |  | Short Term Rental Documents | Yes | Other | 35625 |  |  | 35625 | 1.59 | 1.59 | $22343.90 |  |  |  | Yes | $168000.00 |  | YES | $2744.26 | $2734.42 | $237.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 151 | 8 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 787 | 769 | 765 |  |  |  |  |  |  |  |  | Employed |  | 20250129 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 3 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640093 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250201 | Debt Service Coverage | Yes | No | $0.00 | $1750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1750 | 1.02 | 1.02 | $1715.99 |  |  |  | Yes | $0.00 | Yes | YES | $41.66 | $473.73 | $82.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 50 | 7 | Non Permanent Resident Alien |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250204 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640096 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $4150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4150 | 1.62 | 1.62 | $2565.24 |  |  |  | Yes | $135000.00 |  | NO | $0.00 | $561.50 | $301.92 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 11 | 6 | US Citizen |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250204 | XXXX | $XXXX | 3 | XXXX | XXXX | 4 | 3 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640100 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $22000.00 | $22000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 22000 | 1.72 | 1.72 | $12818.09 | 20260131 | 12 | No | Yes | $142400.00 |  | YES | $82.50 | $985.47 | $354.64 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 56 | 17 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250205 | XXXX | $XXXX | 1 | XXXX | XXXX | 5 | 4.2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640101 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $2300.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1.01 | 1.01 | $2285.51 | 20250430 | 12 |  | Yes | $23000.00 |  | NO | $0.00 | $605.11 | $147.70 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 3.9 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250206 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640102 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250201 | Debt Service Coverage | Yes | No | $0.00 | $4700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4700 | 2.03 | 2.03 | $2319.04 |  |  |  | Yes | $99800.00 |  | YES | $100.00 | $688.53 | $331.21 | Stated, Verified | NO | 1 | 16 |  | No | No | Experienced | 20 | 1 | US Citizen |  | 778 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250206 | XXXX | $XXXX | 1 | XXXX | XXXX | 7 | 6 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640110 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | 1.15 | 1.15 | $2950.80 |  |  |  | Yes | $98000.00 |  | NO | $0.00 | $313.04 | $256.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 30 | 2.9 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 787 | 788 | 797 |  |  |  |  |  |  |  |  | Not Required |  | 20250210 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640116 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250201 | Debt Service Coverage | Yes | Yes | $1650.00 | $2550.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1650 | 1.13 | 1.13 | $1466.59 | 20250601 | 6 |  | Yes | $33725.00 |  | NO | $0.00 | $96.22 | $89.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 128 | 12 | US Citizen |  | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | 20250212 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640118 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250201 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.02 | 1.02 | $1858.35 |  |  |  | Yes | $0.00 | Yes | YES | $31.83 | $268.36 | $119.53 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 50 | 8 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250212 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640122 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $3750.00 | $3750.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3750 | 1.64 | 1.64 | $2281.50 | 20250930 | 12 | No | Yes | $100000.00 |  | NO | $0.00 | $566.73 | $203.42 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 497 | 4 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXX |  | US Citizen | Stated, Verified | 767 | 797 | 760 |  |  |  |  |  |  |  |  | Employed |  | 20250213 | XXXX | $XXXX | 2 | XXXX | XXXX | 8 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640123 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $2450.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.14 | 1.14 | $2199.01 | 20250831 | 12 |  | Yes | $100000.00 |  | NO | $0.00 | $397.91 | $289.75 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 553 | 4 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXX |  | US Citizen | Stated, Verified | 767 | 797 | 760 |  |  |  |  |  |  |  |  | Employed |  | 20250213 | XXXX | $XXXX | 2 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640128 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $2200.00 | $2800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2200 | 1.04 | 1.04 | $2123.10 | 20250430 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $521.62 | $100.99 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 101 | 2.5 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250214 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640129 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $2800.00 | $2900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2800 | 1.13 | 1.13 | $2488.75 | 20260531 | 18 |  | Yes | $0.00 | Yes | NO | $0.00 | $519.60 | $100.99 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 89 | 2 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250214 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640132 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 0.88 | 0.88 | $2829.34 |  |  |  | Yes | $0.00 | Yes | YES | $216.00 | $769.52 | $66.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 15 | 1.6 | US Citizen |  | 680 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250220 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640139 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | Yes | $1800.00 | $1995.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1800 | 1 | 1 | $1796.56 | 20260930 | 24 | No | Yes | $16380.00 |  | YES | $32.91 | $445.37 | $78.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 86 | 5.3 | Permanent Resident Alien |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250221 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640141 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $4800.00 | $4800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4800 | 1.02 | 1.02 | $4718.59 | 20260228 | 12 |  | Yes | $100000.00 |  | NO | $0.00 | $729.32 | $490.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 151 | 4 | US Citizen |  | 767 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXX |  | US Citizen | Stated, Verified | 767 | 797 | 760 |  |  |  |  |  |  |  |  | Employed |  | 20250224 | XXXX | $XXXX | 2 | XXXX | XXXX | 6 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640144 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $4130.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4130 | 1.06 | 1.06 | $3904.50 |  |  |  | Yes | $33000.00 |  | NO | $0.00 | $577.50 | $683.97 | Stated, Verified | NO | 1 | 15 |  | No | No | Experienced | 17 | 2 | Permanent Resident Alien |  | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 741 | 733 | 737 |  |  |  |  |  |  |  |  | Not Required |  | 20250225 | XXXX | $XXXX | 2 | XXXX | XXXX | 3 | 3.1 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640145 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed/BRDG | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3350 | 1 | 1 | $3342.30 |  |  |  | Yes | $0.00 | Yes | YES | $25.00 | $408.12 | $160.34 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 17 | 8 | US Citizen | US Citizen | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 00 |  | XXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20250224 | XXXX | $XXXX | 1 | XXXX | XXXX | 5 | 3 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640148 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 3695 |  |  | 3695.62 | 1.5 | 1.5 | $2455.98 |  |  |  | Yes | $22300.00 |  | YES | $491.00 | $235.61 | $267.70 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 20 | 21 | US Citizen | US Citizen | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250303 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640149 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2350.00 |  | Short Term Rental Documents | Yes | AirDNA | 3706 |  |  | 3706.25 | 1.33 | 1.33 | $2794.78 |  |  |  | Yes | $100000.00 |  | YES | $636.32 | $135.77 | $133.19 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 41 | 1 | US Citizen |  | 787 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250226 | XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640157 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $5250.00 | $6300.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 5250 | 1.01 | 1.01 | $5217.79 | 20250531 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $839.42 | $319.42 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 95 | 19 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 793 | 773 | 788 |  |  |  |  |  |  |  |  | Not Required |  | 20250303 |  | $XXXX | 3 | XXXX | XXXX | 9 | 6 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640163 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $2400.00 | $2800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2400 | 1.04 | 1.04 | $2318.44 | 20250630 | 12 | No | No |  |  | YES | $607.00 | $327.26 | $175.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 63 | 1 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250304 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640165 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.04 | 1.04 | $3367.60 |  |  |  | Yes | $21000.00 |  | NO | $0.00 | $1141.79 | $121.17 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 9 | 10 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 796 | 799 | 780 |  |  |  |  |  |  |  |  | Not Required |  | 20250305 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640168 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $3650.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3600 | 1.23 | 1.23 | $2932.50 | 20260222 | 12 | No | Yes | $44000.00 |  | NO | $0.00 | $547.93 | $66.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 169 | 0.1 | US Citizen | US Citizen | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 691 | 720 | 725 | XXXXX | XXXX |  | US Citizen | Stated, Verified | 754 | 775 | 780 | Not Required | Not Required | 20250306 |  | $XXXX | 2 | XXXX | XXXX | 6 | 4 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640172 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 0.86 | 0.86 | $2688.13 |  |  |  | Yes | $27500.00 |  | NO | $0.00 | $360.88 | $137.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 46 | 0.6 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250306 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640174 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $2450.00 | $2700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2450 | 1.18 | 1.18 | $2074.30 | 20220930 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $350.12 | $81.86 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 115 | 14 | US Citizen |  | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250307 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640175 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250301 | Full | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 26.568 |  | 0 | 0 | 0 | $1685.90 |  |  |  | Yes | $16000.00 |  | YES | $600.00 | $143.41 | $125.53 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 92 | 20 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250310 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640179 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2450 | 1.25 | 1.25 | $1953.80 |  |  |  | Yes | $29400.00 |  | YES | $45.83 | $212.34 | $42.34 | Stated, Verified | NO | 0 | 3 |  | No | No | Experienced | 6 | 5 | US Citizen | US Citizen | 686 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | Yes |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250310 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640181 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed 40yr 10YR IO | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 0.87 | 0.87 | $3205.82 |  |  |  | Yes | $70000.00 |  | YES | $29.16 | $155.71 | $445.05 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 10 | 5 | US Citizen |  | 753 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250310 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640185 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $1625.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1625 | 0.77 | 0.77 | $2109.75 |  |  |  | Yes | $9750.00 |  | YES | $629.00 | $216.20 | $74.73 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 125 | 7 | US Citizen | US Citizen | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 774 | 797 | 781 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 753 | 695 | 703 | Employed | Employed | 20250310 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640192 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2600 | 1.03 | 1.03 | $2516.44 |  |  |  | Yes | $16000.00 |  | YES | $454.46 | $407.55 | $73.93 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 56 | 5 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250310 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640193 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | 1007/216 | 4375 |  |  | 4375 | 1.7 | 1.7 | $2573.21 |  |  |  | Yes | $47250.00 |  | YES | $634.93 | $152.48 | $93.56 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 74 | 5 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250311 |  | $XXXX | 1 | XXXX | XXXX | 0 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640194 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 0 |  |  | 2500 | 1.03 | 1.03 | $2416.40 |  |  |  | Yes | $24000.00 |  | YES | $470.00 | $205.05 | $147.43 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 18 | 1 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250311 | XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640195 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4200 | 1.23 | 1.23 | $3417.15 |  |  |  | Yes | $150200.00 |  | NO | $0.00 | $1042.00 | $108.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 82 | 7 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250311 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640197 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2900 | 1.08 | 1.08 | $2692.12 |  |  |  | Yes | $18000.00 |  | YES | $712.00 | $280.40 | $114.75 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 77 | 15 | US Citizen |  | 681 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 684 | 681 | 666 |  |  |  |  |  |  |  |  | Employed |  | 20250312 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640204 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.25 | 1.25 | $2560.79 |  |  |  | Yes | $38400.00 |  | YES | $107.00 | $634.62 | $197.46 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 12 | 1 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250312 |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640208 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $3065.00 | $3525.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3065 | 1.46 | 1.46 | $2094.77 | 20251231 | 12 |  | Yes | $35000.00 |  | NO | $0.00 | $369.02 | $198.39 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 22 | 5 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 792 | 772 | 787 |  |  |  |  |  |  |  |  | Employed |  | 20250314 | XXXX | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640214 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.14 | 1.14 | $1313.95 |  |  |  | Yes | $23000.00 |  | NO | $0.00 | $191.22 | $86.25 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 7 | 4 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | US Citizen | Stated, Verified | 755 | 790 | 765 |  |  |  |  |  |  |  |  | Not Required |  | 20250317 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640215 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | 1007/216 | 2550 |  |  | 2550 | 1.11 | 1.11 | $2292.19 |  |  |  | Yes | $23000.00 |  | YES | $634.00 | $134.74 | $167.62 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 14 | 4 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXX |  | US Citizen | Stated, Verified | 757 | 748 | 700 |  |  |  |  |  |  |  |  | Employed |  | 20250317 | XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Partnership | XXXX | No |  |
| 1640218 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $1800.00 | $1725.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1725 | 1.14 | 1.14 | $1514.44 | 20250501 | 12 | No | Yes | $27700.00 |  | NO | $0.00 | $118.04 | $92.95 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 19 | 0.3 | Non Permanent Resident Alien |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250317 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640223 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $4035.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4035 | 1.1 | 1.1 | $3657.51 |  |  |  | Yes | $57200.00 |  | NO | $0.00 | $586.03 | $347.37 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 8 | 3 | US Citizen |  | 713 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250318 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 3.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640226 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | AirDNA | 4168 |  |  | 4168 | 1.7 | 1.7 | $2454.26 |  |  |  | Yes | $100000.00 |  | YES | $1087.00 | $221.11 | $97.33 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 10 | 10 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250319 |  | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1640228 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3700 | 1.38 | 1.38 | $2685.16 |  |  |  | Yes | $44400.00 |  | NO | $0.00 | $600.00 | $164.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 10 | 4 | Permanent Resident Alien |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | Permanent Resident Alien | Stated, Verified | 759 | 743 | 724 |  |  |  |  |  |  |  |  | Not Required |  | 20250319 | XXXX | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640233 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250301 | Full | Yes | No | $0.00 | $0.00 |  |  | No | Other | 4168 | 36.447 |  | 0 |  |  | $3034.87 |  |  |  | Yes | $20000.00 |  | YES | $1087.00 | $209.86 | $188.17 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 147 | 5 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 787 | 779 | 780 |  |  |  |  |  |  |  |  | Employed |  | 20250320 | XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640237 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA 30-Year Fixed 24 mos Bank Stmt | 20250301 | Bank Statement | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 42.579 |  | 0 | 0 | 0 | $4188.03 |  |  |  | Yes | $60000.00 |  | YES | $49.00 | $271.94 | $113.62 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 59 | 25 | US Citizen | US Citizen | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Unemployed | 20250319 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640246 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $1650.00 | $1725.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1650 | 1 | 1 | $1645.80 | 20250901 | 12 |  | Yes | $13370.00 |  | NO | $0.00 | $105.95 | $30.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 61 | 10 | US Citizen | US Citizen | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | 20250325 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640247 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1445.00 |  | Short Term Rental Documents | Yes | Other | 2738 |  |  | 2737.5 | 1.33 | 1.33 | $2065.81 |  |  |  | Yes | $15500.00 |  | YES | $275.00 | $128.02 | $63.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 18 | 3 | Non Permanent Resident Alien |  | 811 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250325 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640249 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $3125.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3125 | 0.76 | 0.76 | $4103.16 |  |  |  | Yes | $43253.00 |  | YES | $46.91 | $519.90 | $390.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 8 | US Citizen |  | 805 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250326 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640251 | XXXX | XXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1850 | 1.3 | 1.3 | $1417.92 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $199.88 | $93.50 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 9 | 0.3 | Non Permanent Resident Alien |  | 720 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250326 | XXXX | $XXXX | 1 | XXXX | XXXX | 5 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $3900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3900 | 1.09 | 1.09 | $3573.58 |  |  |  | Yes | $120000.00 |  | YES | $40.00 | $571.56 | $179.67 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 425 | 2 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250331 | XXXX | $XXXX | 2 | XXXX | XXXX | 6 | 4 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1640254 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2275.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2275 | 0.75 | 0.75 | $3029.96 |  |  |  | Yes | $55200.00 |  | NO | $0.00 | $276.29 | $165.97 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 12 | 8 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250328 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640261 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $6800.00 | $6800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4600 | 1.1 | 1.1 | $4173.47 | 20250630 | 12 |  | Yes | $35000.00 |  | NO | $0.00 | $571.99 | $182.58 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 11 | 7 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 767 | 806 | 751 |  |  |  |  |  |  |  |  | Not Required |  | 20250403 |  | $XXXX | 3 | XXXX | XXXX | 7 | 3.2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1640262 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250407 | Debt Service Coverage | Yes | Yes | $2800.00 | $3000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2800 | 1.04 | 1.04 | $2684.43 | 20251001 | 12 | No | Yes | $25800.00 |  | NO | $0.00 | $497.28 | $314.90 | Not Stated, not Verified | NO | 1 | 1 |  | No | No | Experienced | 19 | 1 | US Citizen |  | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250407 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1640263 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $2200.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.02 | 1.02 | $2066.71 | 20251231 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $128.26 | $42.00 | Stated, Verified | NO | 1 | 23 |  | No | No | Experienced | 57 | 17 | US Citizen | US Citizen | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250409 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |

---

## Exhibit 99.37

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.37**

**EXECUTIVE SUMMARY**

**EFMT 2025-NQM2**

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

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 1 loan acquired by Ellington Management Group, LLC (the "Client"). The review was performed from January 2025 through February 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 1 loans for an aggregate original principal balance of $1,500,000.00.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, April 18, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |

---

**Data Integrity, review scope and methodology**

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

The data comparison consisted of the following data fields:

---

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

---

Page **1** of **19**

---

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

---

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

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

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

Page **2** of **19**

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

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

**Credit, Income, Assets and Employment**

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

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

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

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

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

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

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

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

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

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

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

**Occupancy, Taxes, Title and Insurance**

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

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

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

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

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

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

Page **3** of **19**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate
 credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

Page **4** of **19**

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance
 Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is
 greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

Page **5** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR
 Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL
 Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not later than the third business day (counting days on
 which the creditor's offices are open to the public for carrying on substantially
 all of its business functions) after the creditor receives the consumer's written
 application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

Page **6** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
 on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
 The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
 not later than four business days prior to consummation. If the revised version of the
 disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall ensure that the consumer receives the disclosures required under paragraph
 §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected
disclosures reflecting any changed

Page **7** of **19**

terms to the consumer so that the consumer receives the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 aggregate amount of charges for third-party services and recording fees paid by or imposed
 on the consumer does not exceed the aggregate amount of such charges disclosed under
 §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure
 of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing Disclosure

Page **8** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification
 of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage
 loan's actual annual percentage rate, as recalculated, to the applicable average
 prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not allow the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time
 of consummation does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1, 2021, meaning that the QM Patch effectively
terminates on July 1, 2021—and that all

Page **9** of **19**

loans sold to Fannie and Freddie must comply with the revised QM rules, effective July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. (iv)
 For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten
 from March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules;
 however, commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q
 and NOT to the QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
 but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
 more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For
 a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for
 inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
 Payment. The amount of the monthly payment on the loan is calculated using the maximum
 rate that may apply during the first five years and considers the monthly payment for
 simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As
part of the "consider" requirement, Incenter Diligence will review the (i) creditor's policies and procedures
provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting factors enumerated
above, and (ii) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting system
certification,

Page **10** of **19**

showing how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family
 Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing
 Policy Handbook, issued October 24, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019 including all subsequent updates;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family
 Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Incenter Diligence
will review the Client's: (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income
and assets

Page **11** of **19**

(regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

Page **12** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's
 location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

Page **13** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

Page **14** of **19**

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **15** of **19**

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **16** of **19**

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception <br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Credit** <br> **Grade A**<br>| &nbsp;&nbsp;**Credit** <br> **Grade B** | &nbsp;&nbsp;**Credit** <br> **Grade C** | &nbsp;&nbsp;**Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;3 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception<br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **17** of **19**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception <br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Property** <br> **Grade A**  | &nbsp;&nbsp;**Property** <br> **Grade B** | &nbsp;&nbsp;**Property** <br>**Grade C**<br>| &nbsp;&nbsp;**Property** <br> **Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **18** of **19**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**97.30%** |

---

Page **19** of **19**

## Exhibit 99.38

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.38**

---

| | | |
|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | Report Date: | 5/7/2025 |
| Client Name: Ellington Management Group | Report: | Review Summary |
| Deal Name: EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Final Overall Grade Summary** | **Final Overall Grade Summary** | **Final Overall Grade Summary** |  |  |  |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  |
| A | 0 | 0.00% |  |  |  |
| B | 1 | 100.00% |  |  |  |
| C | 0 | 0.00% |  |  |  |
| **Total** | **1** | **100.00%** |  |  |  |
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |  |  |  |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  |
| A | 0 | 0.00% |  |  |  |
| B | 1 | 100.00% |  |  |  |
| C | 0 | 0.00% |  |  |  |
| **Total** | **1** | **100.00%** |  |  |  |
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |  |  |  |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  |
| A | 1 | 100.00% |  |  |  |
| B | 0 | 0.00% |  |  |  |
| C | 0 | 0.00% |  |  |  |
| **Total** | **1** | **100.00%** |  |  |  |
| **Property Grade Summary** |  |  |  |  |  |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  |
| A | 1 | 100.00% |  |  |  |
| B | 0 | 0.00% |  |  |  |
| C | 0 | 0.00% |  |  |  |
| **Total** | **1** | **100.00%** |  |  |  |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  |
| \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. |
| **Credit Exception Categories** | **Exception Count** | **Credit Grade A** | **Credit Grade B** | **Credit Grade C** | **Credit Grade D \*** |
| Assets | 0 | 0 | 0 | 0 | 0 |
| Borrower | 0 | 0 | 0 | 0 | 0 |
| Closing | 0 | 0 | 0 | 0 | 0 |
| Data | 0 | 0 | 0 | 0 | 0 |
| Debt | 0 | 0 | 0 | 0 | 0 |
| Eligibility | 3 | 2 | 1 | 0 | 0 |
| Income/Employment | 0 | 0 | 0 | 0 | 0 |
| Insurance | 0 | 0 | 0 | 0 | 0 |
| Missing Doc | 0 | 0 | 0 | 0 | 0 |
| QM-ATR | 0 | 0 | 0 | 0 | 0 |
| Title | 1 | 1 | 0 | 0 | 0 |
| **Total** | **4** | **3** | **1** | **0** | **0** |
| **Compliance Exception Categories** | **Exception Count** | **Compliance Grade A** | **Compliance Grade B** | **Compliance Grade C** | **Compliance Grade D \*** |
| Ability to Repay | 0 | 0 | 0 | 0 | 0 |
| Closing | 0 | 0 | 0 | 0 | 0 |
| Compliance | 0 | 0 | 0 | 0 | 0 |
| Data | 0 | 0 | 0 | 0 | 0 |
| Disclosure | 0 | 0 | 0 | 0 | 0 |
| Documentation | 0 | 0 | 0 | 0 | 0 |
| Fees | 0 | 0 | 0 | 0 | 0 |
| Missing Doc | 1 | 1 | 0 | 0 | 0 |
| Points & Fees | 0 | 0 | 0 | 0 | 0 |
| QM-ATR | 0 | 0 | 0 | 0 | 0 |
| Right to Rescind | 0 | 0 | 0 | 0 | 0 |
| State Reg | 0 | 0 | 0 | 0 | 0 |
| TRID | 0 | 0 | 0 | 0 | 0 |
| **Total** | **1** | **1** | **0** | **0** | **0** |
| **Property Exception Categories** | **Exception Count** | **Property Grade A** | **Property Grade B** | **Property Grade C** | **Property Grade D \*** |
| Appraisal | 0 | 0 | 0 | 0 | 0 |
| Data | 0 | 0 | 0 | 0 | 0 |
| Missing Doc | 0 | 0 | 0 | 0 | 0 |
| Property Issue | 0 | 0 | 0 | 0 | 0 |
| Value | 0 | 0 | 0 | 0 | 0 |
| **Total** | **0** | **0** | **0** | **0** | **0** |

---

## Exhibit 99.39

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.39**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | | Report Date: | 5/7/2025 |
| Client Name: | Ellington Management Group | Report: | Exception Report |
| Deal Name: | EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 1975366 |  | XXX D B C A | Closed | FCRE1193 | 2025-01-17 12:58 | 2025-02-21 15:57 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. exception - Seller-02/21/2025 <br> Open-Recalculated total obligations $XXX / recalculated earnings of $XXX = XXX% DTI. Recalculated total obligations: $XXX (subject PI) + XXX (tax) + $XXX (hazard) + XXX (HOA); Departing residence loss $XXX; Consumer $XXX. Total obligations $XXX. - Due Diligence Vendor-01/17/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 45% - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. exception - Seller-02/21/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-02/21/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) FICO of XXX is greater than 720 minimum | Exception Approval - Cutler.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | Originator Post-Close | Yes |
| XXX | 1975366 |  | XXX D B C A | Closed | FCOM1266 | 2025-01-15 14:04 | 2025-02-03 08:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Notice dated XXX. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. Homeownership Counseling Disclosure - Seller-02/01/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. Homeownership Counseling Disclosure - Seller-02/01/2025<br>| Resolved-Received Homeownership Counseling Notice dated XXX. - Due Diligence Vendor-02/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | HOME COUNSELLING LIST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |
| XXX | 1975366 |  | XXX D B C A | Closed | FCRE1148 | 2025-01-15 16:44 | 2025-01-29 10:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy reflecting correct title coverage and mortgagee. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. Title Policy for $XXX coverage - Seller-01/28/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement to show lender's title insurance coverage. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Title Policy for $XXX coverage - Seller-01/28/2025 | Resolved-Received title policy reflecting correct title coverage and mortgagee. - Due Diligence Vendor-01/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Title Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |
| XXX | 1975366 |  | XXX D B C A | Closed | FCRE1198 | 2025-01-16 18:30 | 2025-01-17 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Guideline clarification/matrix received. Reserves meet 6 month requirement. - Due Diligence Vendor-01/17/2025 <br> Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/17/2025 <br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of 851500000 month(s) - Due Diligence Vendor-01/16/2025 |  | Resolved-Guideline clarification/matrix received. Reserves meet 6 month requirement. - Due Diligence Vendor-01/17/2025 <br> Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/17/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |
| XXX | 1975366 |  | XXX D B C A | Closed | FCRE1194 | 2025-01-16 18:30 | 2025-01-17 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Guideline clarification/matrix received. LTV within guideline maximum. - Due Diligence Vendor-01/17/2025 <br> Resolved-Audited LTV of XXX% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-01/17/2025 <br> Open-Audited LTV of XXX% exceeds Guideline LTV of 85% Calculated LTV of XXX% based on purchase rice of $XXX versus Note of $XXX and exceeds Expanded Prime guideline maximum of 85.00% - Due Diligence Vendor-01/17/2025 |  | Resolved-Guideline clarification/matrix received. LTV within guideline maximum. - Due Diligence Vendor-01/17/2025 <br> Resolved-Audited LTV of XXX% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-01/17/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |

---

## Exhibit 99.40

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.40**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | | Report Date: | 5/7/2025 |
| Client Name: | Ellington Management Group | Report: | Rating Agency Grades |
| Deal Name: | EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXX | 1975366 |  | XXX | XXX C D A B |

---

## Exhibit 99.41

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.41**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | | Report Date: | 5/7/2025 |
| Client Name: | Ellington Management Group | Report: | Final Tape Compare |
| Deal Name: | EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 1975366 |  | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |

---

## Exhibit 99.42

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.42**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | | Report Date: | 5/7/2025 |
| Client Name: | Ellington Management Group | Report: | Supplemental Data |
| Deal Name: | EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 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 | 108 | 109 | 110 | 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 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # 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** |
| XXX | 1975366 |  | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/27/2024 | 6.770% | Manual Underwriting |  | No | 9.674% |  | 9.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX |  | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.43

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.43**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | | Report Date: | 5/7/2025 |
| Client Name: | Ellington Management Group | Report: | QM ATR |
| Deal Name: | EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 1975366 |  | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.44

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.44**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter.jpg) | | Report Date: | 5/7/2025 |
| Client Name: | Ellington Management Group | Report: | Valuation Summary |
| Deal Name: | EFMT 2025-NQM2 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 1975366 |  | XXX | XXX | XXX | XXX | 0 | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | CLEARCAPITAL | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXX |

---

## Exhibit 99.45

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.45**

![](ex9945001.jpg)

EFMT 2025-NQM2<br>Ellington Management Group, LLC<br>Opus Capital Markets Consultants, LLC<br>

&nbsp;&nbsp;300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**May 19, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 24 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains 14 DSCR loans and 10 NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review** 

**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:

**a) Collateral Docs** 

● 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.

● 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.

● 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.

● 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.

**b) Closing Docs** 

● 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.

● 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.

● 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.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● 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.

● 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.

● 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.

● 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.

● 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.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● 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.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. 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. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines; ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

1 These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. 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: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages 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.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent. 6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Regulatory Compliance Disclaimer** 

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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Seasoning And Certain Compliance Exceptions** 

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.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ 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)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)** 

● 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 12CFR § 1026.27(m)(1).

● 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)?

● 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.

**Fair Credit Report Act (Regulation V)** 

● 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 decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● 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.

**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 regulations implemented during the Term of this SOW.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H <u>ous</u> e Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

● Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

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.

**Homeowner's Flood Affordability Act (HFIAA)** 

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 by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● 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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation 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:

● 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.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● 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.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● 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.

**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. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (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.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

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.

Value Review Disclaimer

● 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 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.

● 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.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● 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.

**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:

● No apparent damage to the property

● Property appears to be occupied

**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

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Addreess

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings 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.

**Moody's Investor Services 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 Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC 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.

**S&P Global Ratings 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.

**DBRS Morningstar 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.

**Opus Grading Criteria**

1) 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:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● 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.

● 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.

**Opus Property Grades** 

● 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.

● 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.

● 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.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● 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.

● 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.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● 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.

● 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.

● 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.

● 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.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● 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.

● 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.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9945002.jpg)

![](ex9945003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**24** |  |

---

**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.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;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 affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;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 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated May 13, 2025.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (24)</u>**

---

| | | | |
|:---|:---|:---|:---|
| ND250118925 | WS250118814 | WS250319284 | WS250319433 |
| WS240917265 | WS250118847 | WS250319286 | WS250319498 |
| WS241017890 | WS250219015 | WS250319298 | WS250319527 |
| WS241118076 | WS250219079 | WS250319338 | 25010021854 |
| WS241218407 | WS250219181 | WS250319367 | 25020022554 |
| WS250118696 | WS250219247 | WS250319369 | 25020022505 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.46

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.46**

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| **Seller** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX |  | 2009718 | Closed | 2025-03-07 08:41 | 2025-04-15 16:32 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.39 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. See additional assets to cover reserves<br> - Seller-03/14/2025 <br> Open-Audited Reserves of 1.34 month(s) are less than Guideline Required Reserves of 3 month(s) Verified assets of $209,207.21 less cash to close of $197,417.99 less cash for Open/Balance Monthly accounts of $6,512.00 equals $5,277.22 or 1.34 months which is less than the required reserves of $11,812.47 or 3 months, a shortage of $6,535.24. Loan file did not contain documentation for B1 Asset #2 listed on the final loan application. <br>- Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. See additional assets to cover reserves<br> - Seller-03/14/2025<br>| Resolved-Audited Reserves of 3.39 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/14/2025<br>| Updated 1008.pdf<br> Updated URLA.pdf<br> XXXX XXXX XXX XXXX and XXX XXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 3552320 | N/A | N/A |
| XXXX |  | 2009718 | Closed | 2025-03-07 08:24 | 2025-03-14 19:21 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $13349.88 is equal to or greater than Total Required Reserve Amount of $11812.47 - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. Additional assets of $8072.66 to cover reserves - Buyer-03/14/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $5277.22 is less than Total Required Reserve Amount of $11812.47 Verified assets of $209,207.21 less cash to close of $197,417.99 less cash for Open/Balance Monthly accounts of $6,512.00 equals $5,277.22 or 1.34 months which is less than the required reserves of $11,812.47 or 3 months, a shortage of $6,535.24. Loan file did not contain documentation for B1 Asset #2 listed on the final loan application. <br>- Due Diligence Vendor-03/07/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $13349.88 is equal to or greater than Total Required Reserve Amount of $11812.47 - Due Diligence Vendor-03/14/2025<br>| XXXX XXXX XXX XXXX and XXX XXXX.pdf<br> Updated URLA.pdf<br> Updated 1008.pdf |  |  | NJ | Primary Residence | Purchase | NA | 3552287 | N/A | N/A |
| XXXX |  | 2009718 | Closed | 2025-03-07 08:24 | 2025-03-14 19:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. see additional assets to cover reserves - Seller-03/14/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due to insufficient reserves - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. see additional assets to cover reserves - Seller-03/14/2025<br>| Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/14/2025<br>| XXXX XXXX XXX XXXX and XXX XXXX.pdf<br> Updated 1008.pdf<br> Updated URLA.pdf |  |  | NJ | Primary Residence | Purchase | NA | 3552288 | N/A | N/A |
| XXXX |  | 2009718 | Closed | 2025-03-10 13:17 | 2025-03-13 22:25 | Resolved | 1 - Information | Property | Missing Doc | Missing Second Appraisal (Property) | Resolved-Second appraisal was provided - Due Diligence Vendor-03/12/2025 <br> Resolved-Guidelines do not require a second appraisal, finding resolved. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Per UW mamanger see her response<br>From: XXXXXXX<br> Sent: XX/XX/XXXX<br> To: XXX<br> Cc: XXXXX XXXXXXXX <br> Subject: RE: XXXXXXXX XXXXX<br>Hi XXXXXXXX,<br>This loan did not require a second appraisal per guide.<br> This is an XXX loan; you will need to ask the lender why they charged the borrower for a second appraisal that was not a XXXXX requirement.<br> XXXXXXX XXXXXXX<br> Underwriting Manager<br> Tel: <br> - Buyer-03/11/2025 <br> Ready for Review-Why is a 2nd appraisal required as loan amount is $XXX,XXX.XX? - Seller-03/10/2025 <br> Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. The final Closing Disclosure reflects a 2nd Appraisal Fee. The loan file is missing the 2nd Appraisal Report. - Due Diligence Vendor-03/10/2025 | Ready for Review-Why is a 2nd appraisal required as loan amount is $XXX,XXX.XXK? - Seller-03/10/2025 | Resolved-Second appraisal was provided - Due Diligence Vendor-03/12/2025 <br>Resolved-Guidelines do not require a second appraisal, finding resolved. - Due Diligence Vendor-03/12/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3567872 | N/A | N/A |
| XXXX |  | 2009718 | Closed | 2025-03-07 07:12 | 2025-03-10 13:56 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/07/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/07/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3552125 | Investor Post-Close | No |
| XXXX |  | 2009720 | Closed | 2025-03-14 18:17 | 2025-03-19 15:18 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-03/14/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX 1008.pdf |  |  | NY | Investment | Purchase | NA | 3616293 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 18:17 | 2025-03-19 15:18 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.53 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/19/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Audited Reserves of 12.53 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX Assets.pdf |  |  | NY | Investment | Purchase | NA | 3616294 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 17:48 | 2025-03-19 15:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract provided. - Due Diligence Vendor-03/19/2025 <br> Open-Missing Purchase Contract - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-Missing Purchase Contract - Due Diligence Vendor-03/14/2025 |  | Resolved-Purchase Contract provided. - Due Diligence Vendor-03/19/2025<br>| XXXXXXXX Purchase Contract.pdf |  |  | NY | Investment | Purchase | NA | 3615822 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 17:48 | 2025-03-19 15:17 | 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-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/14/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX CDA.pdf |  |  | NY | Investment | Purchase | NA | 3615823 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 18:03 | 2025-03-19 15:13 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $50991.16 is equal to or greater than Total Required Reserve Amount of $12203.91 - Due Diligence Vendor-03/19/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $12203.91 - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $12203.91, asset documents are missing. - Due Diligence Vendor-03/14/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $50991.16 is equal to or greater than Total Required Reserve Amount of $12203.91 - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX Assets.pdf |  |  | NY | Investment | Purchase | NA | 3616117 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 18:03 | 2025-03-19 15:13 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/19/2025 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $.<> less cash to close of $<> and less unverified EMD of $<> results in $<> shortage of funds to close. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. - Due Diligence Vendor-03/14/2025 |  | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX Assets.pdf |  |  | NY | Investment | Purchase | NA | 3616118 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 17:33 | 2025-03-19 14:58 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX Credit Report.pdf |  |  | NY | Investment | Purchase | NA | 3615606 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 17:33 | 2025-03-19 14:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX VOR.pdf |  |  | NY | Investment | Purchase | NA | 3615607 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-14 17:10 | 2025-03-19 14:38 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/14/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX Fraud Report.pdf |  |  | NY | Investment | Purchase | NA | 3615243 | N/A | N/A |
| XXXX |  | 2009720 | Closed | 2025-03-17 10:42 | 2025-03-19 14:37 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided rate lock agreement, finding resolved. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-Missing evidence of rate lock, required on all loans - Due Diligence Vendor-03/17/2025 |  | Resolved-Lender provided rate lock agreement, finding resolved. - Due Diligence Vendor-03/19/2025<br>| XXXXXXXXX Rate Lock.pdf |  |  | NY | Investment | Purchase | NA | 3623122 | N/A | N/A |
| XXXX |  | 2002047 | Closed | 2025-05-13 14:35 | 2025-05-13 14:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Secondary product within tolerance, the loan will be graded B for S&P and an A for all other agencies. - Due Diligence Vendor-05/13/2025 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. Secondary product within tolerance, the loan will be graded B for S&P and an A for all other agencies. - Due Diligence Vendor-05/13/2025 |  | Acknowledged-Secondary product within tolerance, the loan will be graded B for S&P and an A for all other agencies. - Due Diligence Vendor-05/13/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4126438 | Investor Post-Close | No |
| XXXX |  | 1973086 | Closed | 2025-01-24 15:27 | 2025-01-28 21:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/27/2025 <br> Counter-The lender provided the lender income calculation worksheet for both borrowers business bank statement income that was in the original file. The file is still missing the Lender Income calculation worksheet for Brw 1 additional self- employment (1099 income) used by the lender in DTI calculation. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/25/2025 <br> Open-Missing lender income worksheet for borrower 1 Additional self-employment income. - Due Diligence Vendor-01/24/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/28/2025<br>| Worksheet.pdf<br> XXXXXX 1099 income calc.pdf |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3275691 | N/A | N/A |
| XXXX |  | 1982681 | Closed | 2025-05-13 14:32 | 2025-05-13 14:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Secondary product within tolerance, the loan will be graded B for S&P and an A for all other agencies. - Due Diligence Vendor-05/13/2025 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. Secondary product within tolerance, the loan will be graded B for S&P and an A for all other agencies. - Due Diligence Vendor-05/13/2025 |  | Acknowledged-Secondary product within tolerance, the loan will be graded B for S&P and an A for all other agencies. - Due Diligence Vendor-05/13/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4126380 | Investor Post-Close | No |
| XXXX |  | 1982684 | Closed | 2025-02-20 13:51 | 2025-02-21 16:47 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Valid COC provided. - Due Diligence Vendor-02/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/21/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-02/20/2025 |  | Resolved-Valid COC provided. - Due Diligence Vendor-02/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/21/2025<br>| XXXXXX trust review fee again.pdf<br> XXXXXXLender Credit Decrease COC.pdf |  |  | CA | Primary Residence | Purchase | NA | 3453185 | N/A | N/A |
| XXXX |  | 1982684 | Closed | 2025-02-20 13:51 | 2025-02-21 16:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-02/20/2025 | Valid COC provided. - 02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Resolved - Due Diligence Vendor-02/21/2025<br>| XXXXXX trust review fee again.pdf<br> XXXXXXLender Credit Decrease COC.pdf |  |  | CA | Primary Residence | Purchase | NA | 3453184 | N/A | N/A |
| XXXX |  | 1982684 | Closed | 2025-02-19 15:02 | 2025-02-21 16:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Valid COC provided. - Due Diligence Vendor-02/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid XX/XX/XXXX reflects a Trust Review Fee of $300. No evidence of a tolerance cure was provided in file. A tolerance cure of $300 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Valid COC provided. - Due Diligence Vendor-02/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/21/2025<br>| XXXXXX trust review fee again.pdf<br> XXXXXXLender Credit Decrease COC.pdf |  |  | CA | Primary Residence | Purchase | NA | 3445643 | N/A | N/A |
| XXXX |  | 1982684 | Closed | 2025-02-19 15:02 | 2025-02-21 16:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Valid COC provided. - Due Diligence Vendor-02/21/2025 <br> Resolved-Resolved - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Trust Review Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Valid COC provided. - Due Diligence Vendor-02/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/21/2025<br>| XXXXXX trust review fee again.pdf<br> XXXXXXLender Credit Decrease COC.pdf |  |  | CA | Primary Residence | Purchase | NA | 3445644 | N/A | N/A |
| XXXX |  | 1982684 | Closed | 2025-02-19 19:19 | 2025-02-21 16:32 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/21/2025 <br>Open-Subject property is located in a dry funding state. Final settlement statement provided on page#822, Final settlement statement Recording Trust Deed Fee and Recording Grant Deed is not listed on final Closing disclosure page #134. - Due Diligence Vendor-02/19/2025 |  | Resolved-PCCD provided - Due Diligence Vendor-02/21/2025<br>| PCCD XXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 3449007 | N/A | N/A |
| XXXX |  | 2008720 | Closed | 2025-04-10 19:09 | 2025-05-12 15:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/11/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Tax transcript is missing for borrower1 and borrower 2 as per GL page #79, borrower is wage earner and Borrower 2 is getting 1099-NEC income. - Due Diligence Vendor-04/10/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/11/2025<br>| B2 XXXX W2 transcripts no return filed.pdf<br> B1 XXXX 1099 transcripts no return filed.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 3831779 | N/A | N/A |
| XXXX |  | 2008720 | Closed | 2025-04-10 19:58 | 2025-04-11 21:52 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Document Uploaded. FNMA limited review provided, finding cleared. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Limited review not required - Seller-04/11/2025 <br>Open-The lender guidelines for Warrantable Condominiums require a Balance sheet dated within the past 90 days. A Balance Sheet dated within the past 90 days is missing in the file. - Due Diligence Vendor-04/10/2025 | Ready for Review-Limited review not required - Seller-04/11/2025<br>| Resolved-Document Uploaded. FNMA limited review provided, finding cleared. - Due Diligence Vendor-04/11/2025<br>| Limited Review.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 3832522 | N/A | N/A |
| XXXX |  | 2008720 | Closed | 2025-04-10 16:45 | 2025-04-11 21:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Tax transcripts provided, finding cleared. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/11/2025 <br> Open-Tax transcript is missing for borrower 1 & borrower 2.<br> - Due Diligence Vendor-04/10/2025 |  | Resolved-Tax transcripts provided, finding cleared. - Due Diligence Vendor-04/11/2025<br>| B1 XXXX 1099 transcripts no return filed.pdf<br> B2 XXXX W2 transcripts no return filed.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 3829654 | N/A | N/A |
| XXXX |  | 2008720 | Closed | 2025-04-10 16:33 | 2025-04-11 21:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-04/10/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025<br>| VVOE B1.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 3829339 | N/A | N/A |
| XXXX |  | 2002044 | Closed | 2025-04-04 18:11 | 2025-04-09 15:27 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/09/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal is subject to removal of oil tank, loan file contains evidence oil tank was removed; however, the completion cert from the appraiser is missing. - Due Diligence Vendor-04/04/2025 |  | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-04/09/2025<br>| Final Inspection.pdf |  |  | MA | Investment | Purchase | NA | 3787194 | N/A | N/A |
| XXXX |  | 2002044 | Closed | 2025-04-04 19:09 | 2025-04-08 16:59 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/07/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan file contains a VOR from an LLC. Per lender's guidelines, a VOR provided by an LLC or other similar type of ownership and not established management company is not considered to be institutional. GL required 12 months cancelled check however only 6 month's rent receipts provided. - Due Diligence Vendor-04/04/2025 |  | Waived-Exception granted, the finding will be graded a B or non-material. - Due Diligence Vendor-04/08/2025<br>| Exception.pdf |  | FICO of 774 > 740 min<br> DSCR of 1.72 > 1 min | MA | Investment | Purchase | NA | 3788014 | Originator Pre-Close | Yes |
| XXXX |  | 1998502 | Closed | 2025-03-31 10:07 | 2025-04-02 14:46 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/02/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. Pulled 3 days prior to closing - Buyer-04/01/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements GL requires Verbal Verification within 10 days of the Note date. VVOE is missing in the file and provided WVOE is more than 10 days of the Note date. - Due Diligence Vendor-03/31/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/02/2025<br>| VVOE.pdf |  |  | FL | Primary Residence | Purchase | NA | 3727811 | N/A | N/A |
| XXXX |  | 1998502 | Closed | 2025-03-31 10:07 | 2025-04-02 14:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. This was pulled 3 days prior to closing? - Seller-04/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing GL requires Verbal Verification within 10 days of the Note date. VVOE is missing in the file and provided WVOE is more than 10 days of the Note date. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. This was pulled 3 days prior to closing? - Seller-04/01/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2025<br>| VVOE.pdf |  |  | FL | Primary Residence | Purchase | NA | 3727809 | N/A | N/A |
| XXXX |  | 1998502 | Closed | 2025-03-31 10:07 | 2025-04-02 14:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/02/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Ready for Review-Document Uploaded. See attached for B1 and b2 - Seller-04/01/2025 <br> Ready for Review-<br> B2 was only used Pension Income - Seller-04/01/2025 <br> Open-Borrower 2 Executed 4506-T Missing required per GL for full documentation credit file. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. See attached for B1 and b2 - Seller-04/01/2025 <br>Ready for Review-<br> B2 was only used Pension Income - Seller-04/01/2025<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/02/2025<br>| B2 4506C 1099 XXXX and XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 3727810 | N/A | N/A |
| XXXX |  | 2002042 | Closed | 2025-04-07 11:57 | 2025-04-09 16:49 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided, finding cleared. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/09/2025 <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-04/07/2025 |  | Resolved-PCCD provided, finding cleared. - Due Diligence Vendor-04/09/2025<br>| XXXX PCCD docs.pdf |  |  | CA | Primary Residence | Purchase | NA | 3793329 | N/A | N/A |
| XXXX |  | 2005315 | Closed | 2025-04-17 18:11 | 2025-04-21 17:49 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/21/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/21/2025 <br> Open-Hazard Insurance Policy Partially Provided In the provided HOI document policy number is missing. - Due Diligence Vendor-04/17/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/21/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2025<br>| Binder XXXX.pdf |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 3892834 | N/A | N/A |
| XXXX |  | 2005315 | Closed | 2025-04-17 19:25 | 2025-04-18 19:43 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br> Open-Transaction is ineligible due to lender's guidelines require properties listed for sale to be taken off the market before the application to be eligible for a rate/term refinance. The appraisal indicates the property was listed for sale on 12/3/2024 and no evidence was provided showing the listing was removed prior to the application. - Due Diligence Vendor-04/17/2025 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/18/2025<br>| Exception.pdf |  | FICO 749, 49>700 Min<br> Reserves 14, 8>6 Min (2x) | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 3894124 | Originator Post-Close | Yes |
| XXXX |  | 2005313 | Closed | 2025-04-14 17:31 | 2025-04-15 16:27 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception for all DSCR loans when a living rent free explanation letter is provided in place of rental or mortgage payment history. - Due Diligence Vendor-04/14/2025 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/15/2025<br>| Exception.pdf |  | LTV 70%, 10%<80% max<br> Res 10 mo, 4>6 mo min<br> FICO 739, 70>660 min | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 3857537 | Originator Post-Close | Yes |

---

## Exhibit 99.47

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.47**

---

| | | |
|:---|:---|:---|
| **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  | 2009718 | $X,XXX.XX C D A B |
|  | 2009703 | $X,XXX.XX A |
|  | 2009720 | $X,XXX.XX D C A |
|  | 2002047 | $X,XXX.XX A B |
|  | 1973086 | $X,XXX.XX D A |
|  | 1955494 | $X,XXX.XX A |
|  | 1973090 | $X,XXX.XX A |
|  | 1995586 | $X,XXX.XX A |
|  | 1982681 | $X,XXX.XX A B |
|  | 1996166 | $X,XXX.XX A |
|  | 1982684 | $X,XXX.XX A C |
|  | 2008720 | $X,XXX.XX D C A |
|  | 1996162 | $X,XXX.XX A |
|  | 2002044 | $X,XXX.XX C A B |
|  | 2002043 | $X,XXX.XX A |
|  | 2005317 | $X,XXX.XX A |
|  | 1998502 | $X,XXX.XX D C A |
|  | 2002042 | $X,XXX.XX A B |
|  | 2005316 | $X,XXX.XX A |
|  | 2002039 | $X,XXX.XX A |
|  | 2005315 | $X,XXX.XX D A B |
|  | 2002036 | $X,XXX.XX A |
|  | 1998500 | $X,XXX.XX A |
|  | 2005313 | $X,XXX.XX C A B |

---

## Exhibit 99.48

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.48**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM 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?** |
|  | 2009718 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26117.19 | N/A | Employed | Employed | No | No | No |  |
|  | 2009703 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2009720 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2002047 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.526 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16589.42 | N/A | Employed |  | No |  | No |  |
|  | 1973086 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13313.92 | N/A | Employed | Employed | No | No | No |  |
|  | 1955494 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22054.84 | N/A | Employed |  | No |  | No |  |
|  | 1973090 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 1995586 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 1982681 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 19602.17 | N/A | Employed | Employed | No | No | No |  |
|  | 1996166 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 1982684 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15050.95 | N/A | Employed |  | No |  | No |  |
|  | 2008720 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 7830.53 | N/A | Employed | Employed | No | No | No |  |
|  | 1996162 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2002044 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2002043 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
|  | 2005317 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
|  | 1998502 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 3772.4 | N/A | Employed | Retired | No | No | No |  |
|  | 2002042 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.153 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5331.42 | N/A | Employed |  | No |  | No |  |
|  | 2005316 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2002039 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
|  | 2005315 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2002036 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18527.49 | N/A | Employed |  | No |  | No |  |
|  | 1998500 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
|  | 2005313 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.49

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.49**

---

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| **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **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 # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Maturity Date** |
|  | 2009718 | 24 Month Bank Statement | 24 Month Bank Statement | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines XX/XX/XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.832% |  | 7.500% | 7.500% | $2985.65 | No | $9426.12 | $785.51 | $1995.96 | $166.33 | $0.00 | $0.00 | $0.00 | $3937.49 | $26117.19 | N/A |  |  | $0.00 |  |  | 13.68% | 13.44% | 13.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 \|\| Co Borrower - 2025, 2024, 2023 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13349.88 | 3.4 | 13349.88 | 3.4 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 2009703 | DSCR | XXX Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines XX/XX/XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2311.16 | No | $9063.48 | $755.29 | $1374.96 | $114.58 | $0.00 | $0.00 | $0.00 | $3181.03 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.006 | 1.006 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 40248.33 | 12.7 | 40248.33 | 12.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 2009720 | DSCR | XXX Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines XX/XX/XXXX | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $3262.81 | No | $8501.88 | $708.49 | $1160.04 | $96.67 | $0.00 | $0.00 | $0.00 | $4067.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.045 | 1.045 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 50991.16 | 12.5 | 50991.16 | 12.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 03-01-2055 |
|  | 2002047 | XXX - 18 Prime 3YR Fixed | XXX - 18 Prime 3YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 8.526% |  | 8.125% | 8.125% | $1113.75 | No | $1246.92 | $103.91 | $1950.24 | $162.52 | $5700.00 | $475.00 | $0.00 | $1855.18 | $16589.42 | Yes | XXXX | XX | $475.00 | XX/XX/XXXX | Monthly | 11.57% | 10.72% | 10.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 77.57 | 0 | 38394.03 | 20.7 | No | 34.88 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 1973086 | XXX 10 Prime Alt Doc - 30yr Fixed | XXX 10 Prime Alt Doc - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.760% | Manual Underwriting | Manual Underwriting | No | 7.546% |  | 7.250% | 7.250% | $5217.69 | No | $4674.72 | $389.56 | $3725.04 | $310.42 | $0.00 | $0.00 | $0.00 | $5917.67 | $13313.92 | N/A |  |  | $0.00 |  |  | 47.72% | 47.72% | 47.72% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 NA | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | Yes | Yes | 0 | 13 | 57.07% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified - 2024, 2023, 2022 \|\| Co Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 1 YR Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2022 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2024, 2023 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | 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 | USA | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 29508.82 | 5 | 29508.82 | 5 | No | 71.48 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 02-01-2055 |
|  | 1955494 | XXX 12 Prime Minus - 30yr Fixed | XXX 12 Prime Minus - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 10.025% |  | 9.500% | 9.500% | $4603.68 | No | $3544.32 | $295.36 | $4028.16 | $335.68 | $0.00 | $0.00 | $0.00 | $5234.72 | $22054.84 | N/A |  |  | $0.00 |  |  | 33.77% | 33.28% | 33.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 12 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 645 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 150148.54 | 28.7 | 150148.54 | 28.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 01-01-2055 |
|  | 1973090 | XXX 15 Investor DSCR - 30yr Fixed | XXX 15 Investor DSCR - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2175.21 | No | $3374.16 | $281.18 | $2966.04 | $247.17 | $1704.00 | $142.00 | $0.00 | $2845.56 |  | Yes | XXXX | XX | $142.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.019 | 1.012 |  | Borrower | Borrower | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 166060.06 | 58.4 | 166060.06 | 58.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 01-01-2055 |
|  | 1995586 | XXX 14 Investor DSCR - 30yr Fixed | XXX 14 Investor DSCR - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2331.60 | No | $4727.04 | $393.92 | $1243.56 | $103.63 | $849.96 | $70.83 | $0.00 | $2899.98 |  | N/A | XXXX | XX | $70.83 | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 17817.95 | 6.1 | 17817.95 | 6.1 | No | 78.46 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 02-01-2055 |
|  | 1982681 | XXX 18 Prime- 30 Yr Fixed | XXX 18 Prime- 30 Yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.520% |  | 7.375% | 7.375% | $13067.57 | No | $29562.48 | $2463.54 | $8286.12 | $690.51 | $0.00 | $0.00 | $0.00 | $16221.62 | $19602.17 | N/A |  |  | $0.00 |  |  | 48.59% | 49.44% | 49.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 1 | 1 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2023, 2022 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2023, 2022 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act Infromation From | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act Infromation From | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 149266.88 | 9.2 | 149266.88 | 9.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 03-01-2055 |
|  | 1996166 | XXX 18 Investor DSCR - 30yr Fixed 5% PPP | XXX 18 Investor DSCR - 30yr Fixed 5% PPP | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $1262.08 | No | $8142.12 | $678.51 | $1391.04 | $115.92 | $0.00 | $0.00 | $0.00 | $2056.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.597 | 1.778 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 126312.93 | 61.4 | 126312.93 | 61.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 1982684 | XXX 10 Prime - 30yr Fixed | XXX 10 Prime - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.540% |  | 7.375% | 7.375% | $11050.80 | No | $24999.96 | $2083.33 | $3885.96 | $323.83 | $0.00 | $0.00 | $0.00 | $13457.96 | $15050.95 | N/A |  |  | $0.00 |  |  | 49.83% | 49.83% | 49.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | Yes | N/A | 192728.34 | 14.3 | 192728.34 | 14.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 03-01-2055 |
|  | 2008720 | XXX 12 Prime Minus - 30yr Fixed | XXX 12 Prime Minus - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 10.186% |  | 9.750% | 9.750% | $4027.29 | No | $9040.92 | $753.41 | $3086.04 | $257.17 | $2220.00 | $185.00 | $0.00 | $5222.87 | $7830.53 | Yes | XXXX | XX | $185.00 | XX/XX/XXXX | Monthly | 49.13% | 49.13% | 49.13% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 1 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified - 2024 - 2024 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2024 - 2024 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | Yes | N/A | 136109.78 | 26.1 | 162811.81 | 31.2 | No | 75 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 05-01-2055 |
|  | 1996162 | XXX-18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX-18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2273.80 | No | $3008.88 | $250.74 | $848.04 | $70.67 | $19140.00 | $1595.00 | $0.00 | $4190.21 |  | Yes | XXXX | XX | $1595.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.378 | 1.378 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 99069.39 | 23.6 | 99069.39 | 23.6 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 2002044 | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2088.20 | No | $3065.88 | $255.49 | $3675.00 | $306.25 | $0.00 | $0.00 | $0.00 | $2649.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.623 | 1.623 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | 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 | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29308.06 | 11.1 | 29308.06 | 11.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
|  | 2002043 | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $4864.49 | No | $8584.44 | $715.37 | $2234.04 | $186.17 | $0.00 | $0.00 | $0.00 | $5766.03 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.074 | 1.074 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 107111.78 | 18.6 | 107111.78 | 18.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 2005317 | XXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $3329.84 | No | $1791.12 | $149.26 | $1791.24 | $149.27 | $13968.00 | $1164.00 | $0.00 | $4792.37 |  | Yes | XXXX | XX | $1164.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.043 | 1.043 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | 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 | 888706.64 | 185.4 | 888706.64 | 185.4 | No | 70 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 05-01-2055 |
|  | 1998502 | XXX - 18 Prime 30 YR Fixed | XXX - 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.759% |  | 7.375% | 7.375% | $2201.53 | No | $5129.88 | $427.49 | $1929.96 | $160.83 | $3264.00 | $272.00 | $0.00 | $3061.85 | $3772.40 | Yes | XXXX | XX | $272.00 | XX/XX/XXXX | Monthly | 48.27% | 48.27% | 48.27% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 NA | Yes | No | Yes | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 3 | 3 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025 - 2025 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | Yes | N/A | 157670.37 | 51.5 | 222981.31 | 72.8 | No | 75 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 2002042 | XXX - 18 Prime 30 YR Fixed | XXX - 18 Prime 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.153% |  | 6.875% | 6.875% | $2384.65 | No | $7562.52 | $630.21 | $1056.96 | $88.08 | $2928.00 | $244.00 | $0.00 | $3346.94 | $5331.42 | Yes | XXXX | XX | $244.00 | XX/XX/XXXX | Monthly | 42.72% | 42.72% | 42.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 27011.18 | 8.1 | 27011.18 | 8.1 | No | 60 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
|  | 2005316 | XXX -18 Investor DSCR 5% Fixed PPP 40 YR Fixed I/O | XXX -18 Investor DSCR 5% Fixed PPP 40 YR Fixed I/O | XXXX | No | XXXX- NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2819.65 | No | $8975.04 | $747.92 | $1983.72 | $165.31 | $0.00 | $0.00 | $0.00 | $3732.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.018 | 1.018 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 606570.82 | 162.5 | 606570.82 | 162.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 05-01-2065 |
|  | 2002039 | XXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX | No | XXXX- NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1945.79 | No | $6137.04 | $511.42 | $1412.04 | $117.67 | $0.00 | $0.00 | $0.00 | $2574.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.359 | 1.359 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 84861.14 | 33 | 84861.14 | 33 | No | 36.81 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | 04-01-2055 |
|  | 2005315 | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $4131.57 | No | $18967.68 | $1580.64 | $1260.00 | $105.00 | $0.00 | $0.00 | $0.00 | $5817.21 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.031 | 1.031 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42198.86 | 7.3 | 42198.86 | 7.3 | No | 74.94 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
|  | 2002036 | XXX 18 - 30yr Fixed OO | XXX 18 - 30yr Fixed OO | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v4 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.052% |  | 7.625% | 7.625% | $8068.85 | No | $17812.56 | $1484.38 | $6468.84 | $539.07 | $750.00 | $62.50 | $0.00 | $10154.80 | $18527.49 | N/A | XXXX | XX | $62.50 | XX/XX/XXXX | Annually | 40.23% | 40.23% | 40.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XX/XX/XXXX | XX/XX/XXXX | 0 |  | 70 |  | 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 | Yes | N/A | 288407.74 | 28.4 | 288407.74 | 28.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |
|  | 1998500 | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $2878.66 | No | $12912.00 | $1076.00 | $1620.96 | $135.08 | $0.00 | $0.00 | $0.00 | $4089.74 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.443 | 1.393 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 384704.81 | 94.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | 04-01-2055 |
|  | 2005313 | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX- NonQM Underwriting and Sales Guide XX/XX/XXXX | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1308.00 | No | $5970.96 | $497.58 | $1512.00 | $126.00 | $1410.00 | $117.50 | $0.00 | $2049.08 |  | Yes | XXXX | XX | $117.50 | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX XXXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22433.85 | 11 | 22433.85 | 11 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | 05-01-2055 |

---

## Exhibit 99.50

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.50**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
|  | 2009703 | XXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 99.41 | 1.006 | 1.006 | 3181.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2009720 | XXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 4250 | Appraisal - 1007 |  |  |  |  | 4250 | Appraisal - 1007 | No | 95.72 | 1.045 | 1.045 | 4067.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54200 |  |  |  | 4250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
|  | 1973090 | XXXX | XXX 15 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | Yes | 2900 | 3500 | Appraisal - 1025 |  |  |  |  | 2900 | Actual In Place Rent | No | 98.12 | 1.012 | 1.019 | 2845.56 | 1600 | XX/XX/XXXX | 12 | 1300 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35600 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 58.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 1995586 | XXXX | XXX 14 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | Yes | 2890 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 100 | 1 | 1 | 2899.98 | 2890 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34800 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 6.14 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
|  | 1996166 | XXXX | XXX 18 Investor DSCR - 30yr Fixed 5% PPP | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 3285 | Appraisal - 1025 |  |  |  |  | 3285 | Appraisal - 1025 | No | 62.6 | 1.778 | 1.597 | 2056.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43800 |  |  |  | 3285 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 61.42 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 1996162 | XXXX | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 6844 | Appraisal - 1007 |  |  |  |  | 6844 | Appraisal - 1007 | No | 61.22 | 1.378 | 1.378 | 4190.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27500 |  |  |  | 6844 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2002044 | XXXX | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1025 |  | N/A |  |  | 4300 | Appraisal - 1025 | No | 61.63 | 1.623 | 1.623 | 2649.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80400 |  |  |  | 4300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.06 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
|  | 2002043 | XXXX | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 5312 | 6190 | Appraisal - 1025 |  |  |  |  | 6190 | Appraisal - 1025 | No | 93.15 | 1.074 | 1.074 | 5766.03 | 1405 | XX/XX/XXXX | 1 | 1600 | XX/XX/XXXX | 12 | 1200 | XX/XX/XXXX | 1 | 1107 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 83500 |  |  |  | 6190 |  |  |  |  |  |  | No | No | -0.1 | 1 | 1 | N/A | 18.58 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
|  | 2005317 | XXXX | XXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 5000 | Appraisal - 1007 |  |  |  |  | 5000 | Appraisal - 1007 | No | 95.85 | 1.043 | 1.043 | 4792.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40800 |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 185.44 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
|  | 2005316 | XXXX | XXX -18 Investor DSCR 5% Fixed PPP 40 YR Fixed I/O | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Appraisal - 1007 | No | 98.23 | 1.018 | 1.018 | 3732.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27500 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 |  | 162.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2002039 | XXXX | XXX-18 Investor DSCR Declining PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 73.57 | 1.359 | 1.359 | 2574.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40500 |  |  |  | 3500 |  |  |  |  |  |  |  | No | -0.1 | 1 | 1 | N/A | 32.96 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | N/A |  |
|  | 2005315 | XXXX | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 6000 | 5900 | Appraisal - 1007 |  |  |  |  | 6000 | Actual In Place Rent | No | 96.95 | 1.031 | 1.031 | 5817.21 | 6000 | XX/XX/XXXX | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 6000 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 7.25 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 1998500 | XXXX | XXX-18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 5900 | 5900 | Appraisal - 1007 |  |  |  |  | 5900 | Actual In Place Rent | No | 69.32 | 1.393 | 1.443 | 4089.74 | 5900 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 5900 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 94.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2005313 | XXXX | XXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2050 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Actual In Place Rent | No | 99.96 | 1 | 1 | 2049.08 | 2050 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73000 |  |  |  | 2050 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 10.95 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.51

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.51**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **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** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
|  | 2009718 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | Clear Capital | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2009703 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 2009720 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | ClearCapital | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2002047 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 34.88 | 34.88 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.2 |
|  | 1973086 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 71.48 | 71.48 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 1955494 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 1973090 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
|  | 1995586 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR Desktop | $X,XXX.XX | $X,XXX.XX | 78.46 | 78.46 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 1982681 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
|  | 1996166 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
|  | 1982684 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 2008720 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.3 |
|  | 1996162 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 |  |  |  |  |  | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
|  | 2002044 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | XX/XX/XXXX |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
|  | 2002043 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 |  |  |  |  |  | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
|  | 2005317 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 |  |  |  |  |  | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
|  | 1998502 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 2002042 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 60.0 | 60.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 2005316 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 65.0 | 65.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 2002039 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 36.81 | 36.81 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
|  | 2005315 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 74.94 | 74.94 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | .1012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
|  | 2002036 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
|  | 1998500 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.4 |
|  | 2005313 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |

---

## Exhibit 99.52

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.52**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | 2009718 | Property City | notePage | Per Data | Per Tape | Audit Value Pulled From Note. |
|  | 2009703 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
|  | 2009720 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
|  | 2009720 | MIN No | deedOfTrustPage | Per Data | Per Tape | Audit Value Pulled From Deed of Trust. |
|  | 2009720 | Qualifying FICO | creditLiabilitiesPage | 703 | 713 | Audit value based on lender qualifying requirements. |
|  | 2002047 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.72 | 9.56 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX  |
|  | 1955494 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.28 | 33.77 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX . |
|  | 1996166 | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
|  | 2002044 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
|  | 2002043 | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled from Appraisal |
|  | 2005317 | Property Value | propertyValuationPage | Per Data | Per Tape | Audit Value Pulled From Purchase Contract / Final CD. |
|  | 2002036 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |

---

## Exhibit 99.53

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.53**

![](ex9953001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between October 2022 and April 2025, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 45 Non-QM loans and 14 ATR-QM exempt loans for a total of 59 loans the "Final Securitization Population".

*<u>Credit Reviews (59):</u>*

During the Review, Selene performed a credit review on 59 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (59)</u>*

During the Review, Selene performed a compliance review, when applicable on 59 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (59):</u>*

During the Review, Selene performed a property valuation review on 59 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (59):</u>*

During the Review, Selene performed a Data Integrity Review on 59 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 59 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;59 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines and LoanStream One Guide (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **10**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **10**

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 59 mortgage loans, (ii) a Compliance Review on 59 mortgage loans (iii) a Valuation Review on 59 mortgage loans, and (iv) a Data Integrity Review on 59 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY** 

After review of the 59 mortgage loans; 35 mortgage loans had a rating grade of A, 24 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

 ***Grades per loan (59 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;15.25% | &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;35 | &nbsp;&nbsp;59.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.78% | &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;40.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;18 | &nbsp;&nbsp;18 | &nbsp;&nbsp;30.51% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;47.46% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

&nbsp;&nbsp;&nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;89.83% | &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;37 | &nbsp;&nbsp;62.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.17% | &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;22 | &nbsp;&nbsp;37.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;58 | &nbsp;&nbsp;98.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

Page **5** of **10**

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **10**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income
calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **10**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is
a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the
DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations
have been addressed in the loan file;

Page **8** of **10**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm
the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been
recorded or have been sent for recording.

Page **9** of **10**

**APPENDIX B – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **10** of **10**

## Exhibit 99.54

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.54**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 1643193 | XXXX B C A |
| XXXX |  | 1722484 | XXXX C D A |
| XXXX |  | 1944830 | XXXX A |
| XXXX |  | 1944831 | XXXX A |
| XXXX |  | 1891929 | XXXX C D A |
| XXXX |  | 1923710 | XXXX D A |
| XXXX |  | 1901191 | XXXX D C B |
| XXXX |  | 1901200 | XXXX D A |
| XXXX |  | 1901757 | XXXX A C B |
| XXXX |  | 1939515 | XXXX C A |
| XXXX |  | 1901764 | XXXX D C A |
| XXXX |  | 1939842 | XXXX D A |
| XXXX |  | 1901758 | XXXX A |
| XXXX |  | 1901761 | XXXX D A |
| XXXX |  | 1901755 | XXXX D A |
| XXXX |  | 1901743 | XXXX C A B |
| XXXX |  | 1923715 | XXXX D A |
| XXXX |  | 1923690 | XXXX C A B |
| XXXX |  | 1923687 | XXXX C A B |
| XXXX |  | 1939844 | XXXX C A B |
| XXXX |  | 1923694 | XXXX B A |
| XXXX |  | 1952350 | XXXX D A B |
| XXXX |  | 1923692 | XXXX A |
| XXXX |  | 1923696 | XXXX D A B |
| XXXX |  | 1923698 | XXXX D A |
| XXXX |  | 1923691 | XXXX C D A B |
| XXXX |  | 1923688 | XXXX D A B |
| XXXX |  | 1939517 | XXXX A |
| XXXX |  | 1939846 | XXXX D A |
| XXXX |  | 1959617 | XXXX D A B |
| XXXX |  | 1988128 | XXXX D A |
| XXXX |  | 1973087 | XXXX D A |
| XXXX |  | 1979033 | XXXX B A |
| XXXX |  | 1979032 | XXXX A |
| XXXX |  | 2007423 | XXXX D A B |
| XXXX |  | 1995589 | XXXX A |
| XXXX |  | 1995587 | XXXX C D A |
| XXXX |  | 1995599 | XXXX C A B |
| XXXX |  | 1995588 | XXXX C A |
| XXXX |  | 2007428 | XXXX C A B |
| XXXX |  | 1996200 | XXXX D A |
| XXXX |  | 1996199 | XXXX C B A |
| XXXX |  | 2007424 | XXXX C A |
| XXXX |  | 2007435 | XXXX C A B |
| XXXX |  | 2000685 | XXXX C A B |
| XXXX |  | 2000688 | XXXX C A B |
| XXXX |  | 2000686 | XXXX B A |
| XXXX |  | 2000691 | XXXX C D A |
| XXXX |  | 2000692 | XXXX D A |
| XXXX |  | 2000684 | XXXX A |
| XXXX |  | 2000689 | XXXX C A B |
| XXXX |  | 2007417 | XXXX C A B |
| XXXX |  | 2007415 | XXXX C A |
| XXXX |  | 2007426 | XXXX D A |
| XXXX |  | 2007433 | XXXX D A |
| XXXX |  | 2007434 | XXXX D A |
| XXXX |  | 2007421 | XXXX D A |
| XXXX |  | 2007420 | XXXX B A |
| XXXX |  | 2007430 | XXXX A |

---

## Exhibit 99.55

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.55**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 1643193 | Closed | 2022-10-04 20:32 | 2022-10-13 17:06 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/13/2022 <br>Resolved-Received final 1003 signed by the LO - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/12/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is missing on 1003 final , please provide <br> - Due Diligence Vendor-10/04/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/13/2022 <br>Resolved-Received final 1003 signed by the LO - Due Diligence Vendor-10/13/2022<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 677479 | N/A | N/A |
| XXXX | XXXX |  | 1643193 | Closed | 2022-10-04 21:32 | 2022-10-13 16:00 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Received confirmation Tier 1 was used, finding resolved - Due Diligence Vendor-10/13/2022 <br> Ready for Review-Document Uploaded. - Buyer-10/12/2022 <br> Open-1) Tier is missing on Approval so Considered as XXXX and data Updated as Accordingly , please provide updated Approval Document - Due Diligence Vendor-10/04/2022 |  | Resolved-Received confirmation Tier 1 was used, finding resolved - Due Diligence Vendor-10/13/2022<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 677593 | N/A | N/A |
| XXXX | XXXX |  | 1722484 | Closed | 2023-02-09 13:15 | 2023-02-15 18:07 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Document received, data updated. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Buyer-02/15/2023 <br>Open-As per 1008 and my calculation the HTI is 7.30% and DTI is 18.23%, however its not matching with Approval certificate showing HTI is 29.675% and DTI is 50.365%. This difference is reflecting in Data compare, hence required updated Approval certificate. - Due Diligence Vendor-02/09/2023 |  | Resolved-Document received, data updated. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 847794 | N/A | N/A |
| XXXX | XXXX |  | 1722484 | Closed | 2023-02-14 16:57 | 2023-02-15 18:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Buyer-02/15/2023 <br>Open-1. Section 3 shows borrower has 2 primary residence. 2. Section 5a shows the borrower has not had ownership in another property in the last 3 years, borrower has another financed property - Due Diligence Vendor-02/14/2023 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 854393 | N/A | N/A |
| XXXX | XXXX |  | 1944830 | Closed | 2024-08-17 00:00 | 2024-08-17 00:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.565%) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/17/2024 |  | Resolved-The loan's (10.565%) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/17/2024 |  |  |  | XX | Primary Residence | Purchase | NA | 2205521 | N/A | N/A |
| XXXX | XXXX |  | 1944831 | Closed | 2024-08-17 07:06 | 2024-08-21 14:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.398%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXXX and the Final Closing disclosure on Pg#'s XXXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/17/2024 |  | Resolved-The loan's (10.398%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/17/2024 |  |  |  | XX | Primary Residence | Purchase | NA | 2206025 | N/A | N/A |
| XXXX | XXXX |  | 1891929 | Closed | 2024-10-09 16:28 | 2024-10-24 17:16 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Document received - Due Diligence Vendor-10/24/2024 <br> Ready for Review-Document Uploaded. - Seller-10/23/2024 <br> Counter-Subject is not pictured in PDI - Due Diligence Vendor-10/17/2024 <br> Ready for Review-Document Uploaded. - Seller-10/17/2024 <br> Ready for Review-New PDI requested - Seller-10/16/2024 <br> Ready for Review-Document Uploaded. - Seller-10/16/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-10/09/2024 | Ready for Review-Document Uploaded. - Seller-10/23/2024 <br>Ready for Review-Document Uploaded. - Seller-10/17/2024 <br>Ready for Review-New PDI requested - Seller-10/16/2024 <br>Ready for Review-Document Uploaded. - Seller-10/16/2024<br>| Resolved-Document received - Due Diligence Vendor-10/24/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2561012 | N/A | N/A |
| XXXX | XXXX |  | 1891929 | Closed | 2024-10-07 07:35 | 2024-10-10 16:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Final CD, finding resolved - Due Diligence Vendor-10/10/2024 <br>Ready for Review-Document Uploaded. - Seller-10/09/2024 <br>Open-TRID: Missing Final Closing Disclosure Page 5 of final CD is missing in file hence compliance not runned. - Due Diligence Vendor-10/07/2024 | Ready for Review-Document Uploaded. - Seller-10/09/2024<br>| Resolved-Received Final CD, finding resolved - Due Diligence Vendor-10/10/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2538044 | N/A | N/A |
| XXXX | XXXX |  | 1891929 | Closed | 2024-10-07 04:50 | 2024-10-10 16:00 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX provided. - Due Diligence Vendor-10/10/2024 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/10/2024 <br> Ready for Review-Document Uploaded. - Seller-10/09/2024 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date XXXX is after the effective date of hazard insurance effective date XXXX - Due Diligence Vendor-10/07/2024 | Ready for Review-Document Uploaded. - Seller-10/09/2024<br>| Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX provided. - Due Diligence Vendor-10/10/2024 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/10/2024 | XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2537622 | N/A | N/A |
| XXXX | XXXX |  | 1891929 | Closed | 2024-10-10 16:12 | 2024-10-10 16:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.804%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX, pg XXXX An interior and exterior appraisal was completed for this property – and copy of the appraisal was given to the borrower see Pg#XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-10/10/2024 |  | Resolved-The loan's (9.804%) APR equals or exceeds the Federal HPML threshold of (8.3%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX, pg XXXX An interior and exterior appraisal was completed for this property – and copy of the appraisal was given to the borrower see Pg#XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-10/10/2024 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2569386 | N/A | N/A |
| XXXX | XXXX |  | 1923710 | Closed | 2024-10-21 17:21 | 2024-10-30 23:28 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-PDI Provided, no Damage, Resolved. - Due Diligence Vendor-10/30/2024 <br> Ready for Review-Document Uploaded. - Seller-10/29/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: NO. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-10/21/2024 | Ready for Review-Document Uploaded. - Seller-10/29/2024<br>| Resolved-PDI Provided, no Damage, Resolved. - Due Diligence Vendor-10/30/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2648818 | N/A | N/A |
| XXXX | XXXX |  | 1923710 | Closed | 2024-10-17 09:06 | 2024-10-24 16:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received copy of initial loan estimate, finding resolved - Due Diligence Vendor-10/24/2024 <br>Ready for Review-Document Uploaded. - Buyer-10/22/2024 <br>Open-Initial LE is missing in file. - Due Diligence Vendor-10/17/2024 |  | Resolved-Received copy of initial loan estimate, finding resolved - Due Diligence Vendor-10/24/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2618656 | N/A | N/A |
| XXXX | XXXX |  | 1923710 | Closed | 2024-10-21 17:08 | 2024-10-24 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Finding resolved, child support being excluded - Due Diligence Vendor-10/24/2024 <br>Ready for Review-UW advised excluded child support payment due to < 10 payments left - child will be of age - Buyer-10/22/2024 <br>Open-Audited DTI of 61.38% exceeds Guideline DTI of 50% Child support not being included into DTI raising DTI above guidelines - Due Diligence Vendor-10/21/2024 |  | Resolved-Finding resolved, child support being excluded - Due Diligence Vendor-10/24/2024<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2648661 | N/A | N/A |
| XXXX | XXXX |  | 1923710 | Closed | 2024-10-17 09:20 | 2024-10-23 07:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document provided. Resolved - Due Diligence Vendor-10/23/2024 <br>Ready for Review-Document Uploaded. - Seller-10/22/2024 <br>Open-The 1008 document is missing from the loan file. Income listed on 1008 is incorrect and is not including child support payments - Due Diligence Vendor-10/17/2024 | Ready for Review-Document Uploaded. - Seller-10/22/2024<br>| Resolved-The 1008 document provided. Resolved - Due Diligence Vendor-10/23/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2618702 | N/A | N/A |
| XXXX | XXXX |  | 1923710 | Closed | 2024-10-24 16:18 | 2024-10-24 16:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.338%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXXand the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXXAn interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/24/2024 |  | Resolved-The loan's (9.338%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-10/24/2024 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2674467 | N/A | N/A |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-10 12:56 | 2024-12-06 15:42 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lending provided refund to borrower - Due Diligence Vendor-12/06/2024 <br> Ready for Review-Document Uploaded. - Seller-12/04/2024 <br> Ready for Review-Document Uploaded. Will upload copy of cure check once receive - Seller-12/03/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Doc Tax Stamps/Transfer Taxes – State increase from $XXXX to $XXXX. - Due Diligence Vendor-11/10/2024 | Ready for Review-Document Uploaded. - Seller-12/04/2024 <br>Ready for Review-Document Uploaded. Will upload copy of cure check once receive - Seller-12/03/2024<br>| Cured-Lending provided refund to borrower - Due Diligence Vendor-12/06/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2777892 | N/A | N/A |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-11 03:38 | 2024-11-19 17:27 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception provided in page #XXXX. For use of current appraised value of XXXX for subject purchased and fully renovated XXXX. - Due Diligence Vendor-11/11/2024 |  | Waived-Exception provided in page #XXXX. For use of current appraised value of XXXX for subject purchased and fully renovated XXXX. - Due Diligence Vendor-11/11/2024 |  |  | Self employed same business 5+ years, 2 years required per guidelines<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500. <br>| XX | Primary Residence | Refinance | Cash Out - Other | 2778338 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-13 00:30 | 2024-11-19 17:26 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash out seasoning not met - Due Diligence Vendor-11/19/2024 <br>Ready for Review-Document Uploaded. - Seller-11/15/2024 <br>Open-Cash Out is not completed according to the guideline requirements The refinance transaction does not meet a minimum of 6 months since acquired - Due Diligence Vendor-11/13/2024 | Ready for Review-Document Uploaded. - Seller-11/15/2024<br>| Waived-Cash out seasoning not met - Due Diligence Vendor-11/19/2024<br>| XXXX |  | Self employed same business 5+ years, 2 years required per guidelines<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500. <br> DTI is 30.85%. Maximum allowed per guidelines is 50%. | XX | Primary Residence | Refinance | Cash Out - Other | 2796685 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-12 23:32 | 2024-11-19 17:22 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Document received, investor approved - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. - Buyer-11/15/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-11/12/2024 |  | Resolved-Document received, investor approved - Due Diligence Vendor-11/19/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2796482 | N/A | N/A |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-10 11:36 | 2024-11-18 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report Provided. - Due Diligence Vendor-11/18/2024 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/18/2024 <br>Ready for Review-Document Uploaded. - Seller-11/15/2024 <br>Open-Borrower 1 Credit Report is Missing. Credit Report is Missing in file. - Due Diligence Vendor-11/10/2024 | Ready for Review-Document Uploaded. - Seller-11/15/2024<br>| Resolved-Borrower 1 Credit Report Provided. - Due Diligence Vendor-11/18/2024 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/18/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2777840 | N/A | N/A |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-13 00:24 | 2024-11-18 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-11/18/2024 <br> Ready for Review-Property acquired in borrower's LLC, XXXX on XXXX. Borrower rehabbed the property and moved in. The Quit claim from his company to himself was executed at close. The property was owned by the borrower, either in his company and now in his name. - Seller-11/15/2024 <br> Ready for Review-Document Uploaded. - Seller-11/15/2024 <br> Open-Primary residence according to 1003 is XXXX with XXXX. Subject property is now being refinanced as primary residence. Please advise - Due Diligence Vendor-11/13/2024 | Ready for Review-Property acquired in borrower's LLC, XXXX on XXXX. Borrower rehabbed the property and moved in. The Quit claim from his company to himself was executed at close. The property was owned by the borrower, either in his company and now in his name. - Seller-11/15/2024 <br> Ready for Review-Document Uploaded. - Seller-11/15/2024 | Resolved-Validation Resolved' - Due Diligence Vendor-11/18/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2796679 | N/A | N/A |
| XXXX | XXXX |  | 1901191 | Closed | 2024-11-10 12:56 | 2024-11-13 00:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.425%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-11/10/2024 |  | Resolved-The loan's (8.425%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-11/10/2024 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2777893 | N/A | N/A |
| XXXX | XXXX |  | 1901200 | Closed | 2024-11-11 12:37 | 2024-11-21 17:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-document received - Due Diligence Vendor-11/21/2024 <br> Ready for Review-Document Uploaded. - Buyer-11/20/2024 <br> Open-TRID: Missing Closing Disclosure Property Located in XXXX which is dry state but missing Post Closing Disclosure Doc in File. - Due Diligence Vendor-11/11/2024 |  | Resolved-document received - Due Diligence Vendor-11/21/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2779735 | N/A | N/A |
| XXXX | XXXX |  | 1901200 | Closed | 2024-11-11 17:16 | 2024-11-14 18:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/14/2024 <br>Ready for Review-Document Uploaded. - Buyer-11/12/2024 <br>Open-Title Document is missing Title document does not have Title Coverage Amount<br> - Due Diligence Vendor-11/11/2024 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-11/14/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2782903 | N/A | N/A |
| XXXX | XXXX |  | 1901757 | Closed | 2024-11-07 11:37 | 2024-12-04 16:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Lender provided refund to borrower - duplicate - Due Diligence Vendor-12/04/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/02/2024 <br> Open-The total amount of the 10% category fees ($C) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (XXXX). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). From Initial CD (XXXX) to Final CD (XXXX) Recording Fees increased to XXXX there is no COC in file please provide COC or lender credits to cure this tolerance <br> - Due Diligence Vendor-11/07/2024 |  | Resolved-Lender provided refund to borrower - duplicate - Due Diligence Vendor-12/04/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2760468 | N/A | N/A |
| XXXX | XXXX |  | 1901757 | Closed | 2024-11-07 11:37 | 2024-12-04 16:31 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-Lender provided refund to borrower - Due Diligence Vendor-12/04/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2024 <br> Ready for Review-Document Uploaded. will upload cure check once received. - Buyer-12/02/2024 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXXX) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (XXXX). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). From Initial CD (XXXX) to Final CD (XXXX) Recording Fees increased to XXXX, there is no COC in file please provide COC or lender credits to cure this tolerance <br> - Due Diligence Vendor-11/07/2024 |  | Cured-Lender provided refund to borrower - Due Diligence Vendor-12/04/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2760467 | N/A | N/A |
| XXXX | XXXX |  | 1901757 | Closed | 2024-11-07 11:37 | 2024-11-07 11:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.498%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#360 and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX XXXX and copy of the appraisal was given to the borrower see Pg XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-11/07/2024 |  | Resolved-The loan's (8.498%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX, XXXX and copy of the appraisal was given to the borrower see Pg XXXX,XXXX,XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-11/07/2024 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2760469 | N/A | N/A |
| XXXX | XXXX |  | 1939515 | Closed | 2024-11-13 13:54 | 2024-11-19 15:58 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Received confirmation from investor, finding resolved - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. - Buyer-11/18/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-11/13/2024 |  | Resolved-Received confirmation from investor, finding resolved - Due Diligence Vendor-11/19/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2798941 | N/A | N/A |
| XXXX | XXXX |  | 1939515 | Closed | 2024-11-13 03:52 | 2024-11-15 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Required Document provided, changes made in system, Finding Resolved - Due Diligence Vendor-11/15/2024 <br>Ready for Review-Document Uploaded. - Buyer-11/14/2024 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 months of housing verification. Payments listed in file does not verify 12 months - Due Diligence Vendor-11/13/2024 |  | Resolved-Required Document provided, changes made in system, Finding Resolved - Due Diligence Vendor-11/15/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2796908 | N/A | N/A |
| XXXX | XXXX |  | 1939515 | Closed | 2024-11-10 10:02 | 2024-11-12 16:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.118%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-11/10/2024 |  | Resolved-The loan's (9.118%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-11/10/2024 |  |  |  | XX | Primary Residence | Purchase | NA | 2777808 | N/A | N/A |
| XXXX | XXXX |  | 1901764 | Closed | 2024-11-25 17:38 | 2024-12-06 23:18 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-Received acceptable PCCD, finding has been resolved and cleared. - Due Diligence Vendor-12/06/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/04/2024 <br>Open-Missing PCCD from file - Due Diligence Vendor-11/25/2024 |  | Resolved-Received acceptable PCCD, finding has been resolved and cleared. - Due Diligence Vendor-12/06/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2878159 | N/A | N/A |
| XXXX | XXXX |  | 1901764 | Closed | 2024-11-25 17:52 | 2024-12-03 20:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/03/2024 <br>Ready for Review-Document Uploaded. - Buyer-11/27/2024 <br>Open-Title Document is Incomplete 1. Missing sufficient coverage<br> 2. Missing vesting in borrowers name - Due Diligence Vendor-11/25/2024 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2878386 | N/A | N/A |
| XXXX | XXXX |  | 1901764 | Closed | 2024-11-21 07:52 | 2024-11-21 09:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.852%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 439 and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX . The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/21/2024 |  | Resolved-The loan's (8.852%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/21/2024 |  |  |  | XX | Primary Residence | Purchase | NA | 2854020 | N/A | N/A |
| XXXX | XXXX |  | 1901764 | Closed | 2024-11-21 07:52 | 2024-11-21 09:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.852%) equals or exceeds the XXXX HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.59%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX . An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/21/2024 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.852%) equals or exceeds the XXXX HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.59%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/21/2024 |  |  |  | XX | Primary Residence | Purchase | NA | 2854019 | N/A | N/A |
| XXXX | XXXX |  | 1939842 | Closed | 2024-11-27 07:34 | 2024-12-12 17:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Document received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-TRID: Missing Closing Disclosure Property Located in Dry State missing PCCD in file. - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-Document received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2892285 | N/A | N/A |
| XXXX | XXXX |  | 1939842 | Closed | 2024-11-27 04:50 | 2024-12-09 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/09/2024 <br>Ready for Review-Document Uploaded. - Seller-12/05/2024 <br>Counter-Thank you for the clarification. Can you upload again. It looks like it didn't save. - Due Diligence Vendor-12/05/2024 <br>Ready for Review-We are now using a 4506-C. Uploaded - Buyer-12/03/2024 <br>Open-Borrower 2 Executed 4506-T Missing B2 is Wage Earner missing 4506-T in File. - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/05/2024<br>| Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/09/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2891919 | N/A | N/A |
| XXXX | XXXX |  | 1939842 | Closed | 2024-12-02 18:46 | 2024-12-09 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Document received - Due Diligence Vendor-12/09/2024 <br> Ready for Review-Document Uploaded. This document has both BIZ Narratives.<br> I am uploading the other separately. - Seller-12/05/2024 <br> Counter-XXXX not attached - Due Diligence Vendor-12/05/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/03/2024 <br> Open-B1 XXXX business narrative missing - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. This document has both BIZ Narratives.<br> I am uploading the other separately. - Seller-12/05/2024<br>| Resolved-Document received - Due Diligence Vendor-12/09/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2909062 | N/A | N/A |
| XXXX | XXXX |  | 1939842 | Closed | 2024-12-02 18:54 | 2024-12-09 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | Primary Residence not shown on 1003 | Resolved-Document received - Due Diligence Vendor-12/09/2024 <br>Resolved-Document received - Due Diligence Vendor-12/09/2024 <br>Ready for Review-Document Uploaded. - Seller-12/05/2024 <br>Counter-Please updated 1003 B2 housing - Due Diligence Vendor-12/05/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/03/2024 <br>Open-B2 1003 is present and primary residence is available but notes that B2 is paying rent. LOX on page 552 notes rent free. - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/05/2024<br>| Resolved-Document received - Due Diligence Vendor-12/09/2024 <br>Resolved-Document received - Due Diligence Vendor-12/09/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2909209 | N/A | N/A |
| XXXX | XXXX |  | 1939842 | Closed | 2024-11-27 07:18 | 2024-12-12 17:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XXXX and the Final Closing disclosure on Pg#'s _XXXX ___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXXX___ An interior and exterior appraisal was completed for this property – see pg _XXXX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#'s __XXXX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/12/2024 <br> Resolved-This is a XXXX (HPML). The loan's APR of (9.01%) equals or exceeds the XXXX threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.12%).(XXXX; XXXX) - Due Diligence Vendor-11/27/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _548 and the Final Closing disclosure on Pg#'s _257___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __562___ An interior and exterior appraisal was completed for this property – see pg _25___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_203__ , and copy of the appraisal was given to the borrower – see Pg#'s __313___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/12/2024 <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.01%) equals or exceeds the XXXX HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.12%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-11/27/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2892250 | N/A | N/A |
| XXXX | XXXX |  | 1939842 | Closed | 2024-11-27 07:18 | 2024-12-12 17:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XXXX and the Final Closing disclosure on Pg#'s _XXXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXXX___ An interior and exterior appraisal was completed for this property – see pg _XXXX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXXX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XXXX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _548 and the Final Closing disclosure on Pg#'s _257___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __562___ An interior and exterior appraisal was completed for this property – see pg _25___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_203__ , and copy of the appraisal was given to the borrower – see Pg#'s __313___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/12/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2892251 | N/A | N/A |
| XXXX | XXXX |  | 1901761 | Closed | 2024-12-05 09:50 | 2024-12-11 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Required Document Provided, changes made in system, Finding Resolved.<br>- Due Diligence Vendor-12/11/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/10/2024 <br>Open-Title Document is Incomplete Borrower name is not showing in Title vesting. - Due Diligence Vendor-12/05/2024 |  | Resolved-Required Document Provided, changes made in system, Finding Resolved.<br>- Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2935253 | N/A | N/A |
| XXXX | XXXX |  | 1901761 | Closed | 2024-12-05 06:51 | 2024-12-09 13:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.84%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/05/2024 |  | Resolved-The loan's (9.84%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 332 An interior and exterior appraisal was completed for this property – see pg 41, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 29, and copy of the appraisal was given to the borrower – see Pg#'s 310 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/05/2024<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2934455 | N/A | N/A |
| XXXX | XXXX |  | 1901755 | Closed | 2024-12-09 10:18 | 2024-12-30 13:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC, finding resolved - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Counter-Change of circumstance received does not have date of disclosures entered - Due Diligence Vendor-12/23/2024 <br> Ready for Review-Document Uploaded. - Seller-12/19/2024 <br> Counter-Missing change of circumstance for increased discount points - Due Diligence Vendor-12/12/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/10/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX; (XXXX). Missing Initial CD in file. - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Ready for Review-Document Uploaded. - Seller-12/19/2024<br>| Resolved-Received COC, finding resolved - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2958142 | N/A | N/A |
| XXXX | XXXX |  | 1901755 | Closed | 2024-12-09 10:21 | 2024-12-12 20:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-initial cd received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD in file. - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-initial cd received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2958156 | N/A | N/A |
| XXXX | XXXX |  | 1901755 | Closed | 2024-12-09 09:26 | 2024-12-11 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Required Document Provided, changes made in system, Finding Resolved. - Due Diligence Vendor-12/11/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/10/2024 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report in file. - Due Diligence Vendor-12/09/2024 |  | Resolved-Required Document Provided, changes made in system, Finding Resolved. - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2958049 | N/A | N/A |
| XXXX | XXXX |  | 1901755 | Closed | 2024-12-09 10:18 | 2024-12-30 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 <br> Resolved-Under the Regulations adopted by the XXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX%) equals or exceeds the XXXX threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.36%). (XXXX); XXXX)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/09/2024 |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 535 and the Final Closing disclosure on Pg# 245 reflects escrows. Rate lock date was entered correctly see Pg#'s 538 An interior and exterior appraisal was completed for this property – see pg 30 the appraisal disclosure was provided to the borrower(s)- see Pg#'s30 and copy of the appraisal was given to the borrower see Pg# 231 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.555%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.36%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 535 and the Final Closing disclosure on Pg# 245 reflects escrows. Rate lock date was entered correctly see Pg#'s 538 An interior and exterior appraisal was completed for this property – see pg 30 the appraisal disclosure was provided to the borrower(s)- see Pg#'s30 and copy of the appraisal was given to the borrower see Pg# 231 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/09/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2958143 | N/A | N/A |
| XXXX | XXXX |  | 1901755 | Closed | 2024-12-09 10:18 | 2024-12-30 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 <br> Resolved-The loan's (9.555%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 535 and the Final Closing disclosure on Pg# 245 reflects escrows. Rate lock date was entered correctly see Pg#'s 538 An interior and exterior appraisal was completed for this property – see pg 30 the appraisal disclosure was provided to the borrower(s)- see Pg#'s30 and copy of the appraisal was given to the borrower see Pg# 231 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/09/2024 |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 535 and the Final Closing disclosure on Pg# 245 reflects escrows. Rate lock date was entered correctly see Pg#'s 538 An interior and exterior appraisal was completed for this property – see pg 30 the appraisal disclosure was provided to the borrower(s)- see Pg#'s30 and copy of the appraisal was given to the borrower see Pg# 231 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 <br>Resolved-The loan's (9.555%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 535 and the Final Closing disclosure on Pg# 245 reflects escrows. Rate lock date was entered correctly see Pg#'s 538 An interior and exterior appraisal was completed for this property – see pg 30 the appraisal disclosure was provided to the borrower(s)- see Pg#'s30 and copy of the appraisal was given to the borrower see Pg# 231 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/09/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2958144 | N/A | N/A |
| XXXX | XXXX |  | 1901743 | Closed | 2024-12-12 03:12 | 2024-12-16 10:12 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2024 <br>Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in title report. - Due Diligence Vendor-12/12/2024 |  | Resolved-Required Document provided, changes made in system, Finding Resolved<br> - Due Diligence Vendor-12/16/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2988352 | N/A | N/A |
| XXXX | XXXX |  | 1901743 | Closed | 2024-12-12 05:02 | 2024-12-13 15:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived- There is exception provided for Payment shock exceeds 300% on a FTHB. page XXXX- Due Diligence Vendor-12/12/2024 |  | Waived- There is exception provided for Payment shock exceeds 300% on a FTHB. page 431 - Due Diligence Vendor-12/12/2024<br>|  |  | Employment is 9+. Employment required per guidelines is 2. <br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500.  | XX | Primary Residence | Purchase | NA | 2988534 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923715 | Closed | 2024-12-12 23:41 | 2024-12-18 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Resolved-document received, data updated. - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/16/2024 <br>Open-ID is present but expired prior to initial 1003. - Due Diligence Vendor-12/12/2024 |  | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Resolved-document received, data updated. - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 2998223 | N/A | N/A |
| XXXX | XXXX |  | 1923690 | Closed | 2024-12-13 04:45 | 2025-01-17 18:16 | Cured | 2 - Non-Material C B | Compliance | Mavent | XXXX Fee Not Allowed- Guaranty Fee (Fee ID: 998) | Cured-Documents received, lender refund to borrower. - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. - Seller-01/15/2025 <br> Counter-Please upload check once available - Due Diligence Vendor-01/10/2025 <br> Ready for Review-Document Uploaded. waiting on check will upload once receive - Buyer-01/08/2025 <br> Counter-Per XXXX and our compliance engine, Appraisal Review Fee is prohibited unless Lender is bank or credit union (XXXX). Lender XXXX is not a bank or credit union, could you provide clarification from compliance engine if they have any clarification on this issue? - Due Diligence Vendor-12/24/2024 <br> Ready for Review-Document Uploaded. It passed complianceeae.. please advise - Buyer-12/18/2024 <br> Open-Section XXXX of the XXXX does not allow Guaranty Fee (Fee ID: 998) to be charged to the Borrower in XXXX. Property Located in XXXX and in Section C Feeses have Guaranty Fee - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Cured-Documents received, lender refund to borrower. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2998642 | N/A | N/A |
| XXXX | XXXX |  | 1923690 | Closed | 2024-12-13 04:33 | 2024-12-24 19:00 | Resolved | 1 - Information C A | Compliance | Mavent | XXXX Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Resolved-Clarification received, finding is resolved and cleared. - Due Diligence Vendor-12/24/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/20/2024 <br> Open-Section XXXX of the XXXX does not allow Appraisal Review Fee (Fee ID: 96) to be charged to the Borrower in XXXX. - Due Diligence Vendor-12/13/2024 |  | Resolved-Clarification received, finding is resolved and cleared. - Due Diligence Vendor-12/24/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2998629 | N/A | N/A |
| XXXX | XXXX |  | 1923690 | Closed | 2024-12-13 17:28 | 2024-12-17 23:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 90% exceeds Guideline LTV of 85% Borrower self employed < 2 years Max LTV of 85%, FTHB not allowed - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2024 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% Borrower self employed < 2 years Max LTV of 85%, FTHB not allowed - Due Diligence Vendor-12/13/2024 |  | Waived-Audited LTV of 90% exceeds Guideline LTV of 85% Borrower self employed < 2 years Max LTV of 85%, FTHB not allowed - Due Diligence Vendor-12/17/2024<br>| XXXX |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500. <br> Credit Score is 753. Minimum required per guidelines is 720.<br> DTI is 37.8%. Maximum allowed per guidelines is 50%. | XX | Primary Residence | Purchase | NA | 3002864 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923690 | Closed | 2024-12-13 16:42 | 2024-12-17 23:49 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-S/E < 2 yrs - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2024 <br>Open-Borrower is self employment <2 years. - Due Diligence Vendor-12/13/2024 |  | Waived-S/E < 2 yrs - Due Diligence Vendor-12/17/2024<br>| XXXX |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500. <br> Credit Score is 753. Minimum required per guidelines is 720.<br> DTI is 37.8%. Maximum allowed per guidelines is 50%. | XX | Primary Residence | Purchase | NA | 3002275 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923690 | Closed | 2024-12-13 04:33 | 2024-12-13 04:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.153%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/13/2024 |  | Resolved-The loan's (9.153%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 635 and the Final Closing disclosure on Pg# 396 reflects escrows. Rate lock date was entered correctly see Pg#'s 337 An interior and exterior appraisal was completed for this property – see pg 37 the appraisal disclosure was provided to the borrower(s)- see Pg#'37 and copy of the appraisal was given to the borrower see Pg# 37 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/13/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2998628 | N/A | N/A |
| XXXX | XXXX |  | 1923687 | Closed | 2024-12-12 23:04 | 2024-12-18 00:15 | Waived | 2 - Non-Material C B | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Waived-VOE > 10 days from Note - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/13/2024 <br>Open-Verification of business existence required within 10 calendar days of closing when using personal bank statements - Due Diligence Vendor-12/12/2024 |  | Waived-VOE > 10 days from Note - Due Diligence Vendor-12/18/2024<br>| XXXX |  | Borrower(s) have 15.93 months Reserves. Minimum required per guidelines is 3 months.<br> Self employed same business 13+ years, 2 years required per guidelines<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500.  | XX | Primary Residence | Purchase | NA | 2997927 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923687 | Closed | 2024-12-12 11:19 | 2024-12-12 11:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.698%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 |  | Resolved-The loan's (9.698%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #396 and the Final Closing disclosure on Pg #176 reflects escrows. Rate lock date was entered correctly – see Pg #175 An interior and exterior appraisal was completed for this property – see Pg #42-51, the appraisal disclosure was provided to the borrower(s)- see Pg #31 and copy of the appraisal was given to the borrower – see Pg #31 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2989180 | N/A | N/A |
| XXXX | XXXX |  | 1939844 | Closed | 2024-12-12 14:39 | 2024-12-18 16:47 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-lender provided refund to borrower - Due Diligence Vendor-12/18/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2024 <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: XXXX. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: XXXX. 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. - Due Diligence Vendor-12/12/2024 |  | Cured-lender provided refund to borrower - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2990491 | N/A | N/A |
| XXXX | XXXX |  | 1939844 | Closed | 2024-12-12 23:54 | 2024-12-18 16:45 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (3) | Resolved-Document received - Due Diligence Vendor-12/18/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/16/2024 <br> Open-Property potentially affected by FEMA Disaster ID XXXXL - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.<br> - Due Diligence Vendor-12/12/2024 |  | Resolved-Document received - Due Diligence Vendor-12/18/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 2998275 | N/A | N/A |
| XXXX | XXXX |  | 1939844 | Closed | 2024-12-13 00:11 | 2024-12-17 15:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/17/2024 <br> Resolved-Document received, data updated - Due Diligence Vendor-12/17/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/13/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Please provide updated title policy. - Due Diligence Vendor-12/13/2024 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/17/2024 <br> Resolved-Document received, data updated - Due Diligence Vendor-12/17/2024 | XXXX |  |  | XX | Primary Residence | Purchase | NA | 2998333 | N/A | N/A |
| XXXX | XXXX |  | 1939844 | Closed | 2024-12-12 14:39 | 2024-12-13 00:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.93%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 |  | Resolved-The loan's (9.93%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #642 and the Final Closing disclosure on Pg #416 reflects escrows. Rate lock date was entered correctly – see Pg #414 An interior and exterior appraisal was completed for this property – see Pg #44-51, the appraisal disclosure was provided to the borrower(s)- see Pg #29 and copy of the appraisal was given to the borrower – see Pg #29 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 2990492 | N/A | N/A |
| XXXX | XXXX |  | 1923694 | Closed | 2024-12-15 08:56 | 2024-12-18 13:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-As per Guidelines Maximum Reserves 6 Months whereas calculated reserves are 4.08. However, Exception doc is on page # XXXX given to reduce reserves for 3 months (Now the required reserves are 3 months and calculated reserves is 4.08 which meet the requirements) - Due Diligence Vendor-12/15/2024 |  | Waived-As per Guidelines Maximum Reserves 6 Months whereas calculated reserves are 4.08. However, Exception doc is on page # 240 given to reduce reserves for 3 months (Now the required reserves are 3 months and calculated reserves is 4.08 which meet the requirements) - Due Diligence Vendor-12/15/2024<br>|  |  | 1. LTV 5% or more below the maximum allowed per credit grade/tier- As per Calculation LTV is 78.5% and as per Guidelines which is maximum 85% LTV.<br> 2. Residual income exceeds $3,500- As per Guidelines Minimum Residual Income is $3,500 and Calculated Residual Income is $XXXX. | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3008238 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1923694 | Closed | 2024-12-17 19:30 | 2024-12-18 13:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.214%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX. The loan meets HPML guidelines" - Due Diligence Vendor-12/17/2024 |  | Resolved-The loan's (8.214%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 443 and the Final Closing disclosure on Pg# 194 reflects escrows. Rate lock date was entered correctly see Pg#'s 446, 193 An interior and exterior appraisal was completed for this property – see pg 184. The loan meets HPML guidelines" - Due Diligence Vendor-12/17/2024<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3025766 | N/A | N/A |
| XXXX | XXXX |  | 1952350 | Closed | 2024-12-18 14:15 | 2024-12-30 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received PCCD, finding resolved - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-TRID: Missing Closing Disclosure Property located in XXXX State missing PCCD in File. - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Received PCCD, finding resolved - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3030968 | N/A | N/A |
| XXXX | XXXX |  | 1952350 | Closed | 2024-12-16 13:55 | 2024-12-20 07:43 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/19/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage amount missing in Title. - Due Diligence Vendor-12/16/2024 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/20/2024 | XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3010576 | N/A | N/A |
| XXXX | XXXX |  | 1952350 | Closed | 2024-12-16 14:05 | 2024-12-20 07:42 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/20/2024 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/19/2024 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report expired which is >10 days. As per Guidelines required gap report within 10days of Note Date. - Due Diligence Vendor-12/16/2024 |  | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/20/2024 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/20/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3010706 | N/A | N/A |
| XXXX | XXXX |  | 1952350 | Closed | 2024-12-16 13:52 | 2024-12-20 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 provided with Corrected HTI & DTI. - Due Diligence Vendor-12/20/2024 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/19/2024 <br> Open-The 1008 document is missing from the loan file. 1008 Doc is on Page # XXXX shows incorrect Interest Rate. Due to this getting variance in P&I & HTI. - Due Diligence Vendor-12/16/2024 |  | Resolved-Updated 1008 provided with Corrected HTI & DTI. - Due Diligence Vendor-12/20/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/20/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3010549 | N/A | N/A |
| XXXX | XXXX |  | 1952350 | Closed | 2024-12-19 16:45 | 2024-12-19 16:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 8.7 month(s) are less than Guideline Required Reserves of 9 month(s) Exception made for 8 months reserves instead of 9 months - Due Diligence Vendor-12/19/2024 |  | Waived-Audited Reserves of 8.7 month(s) are less than Guideline Required Reserves of 9 month(s) Exception made for 8 months reserves instead of 9 months - Due Diligence Vendor-12/19/2024<br>|  |  | LTV is 68.52%. Maximum allowed per guidelines is 85%.<br> 14+ years in same business<br> No derogatory credit history | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3044727 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-23 22:14 | 2025-01-02 20:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Exception made for investor ownership above 60% - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2024 <br>Counter-Questionnaire shows investor ownership above 60% - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/27/2024 <br>Open-Condo questionnaire does not clarify the amount of off-site/investor owned units, above 70% - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-12/30/2024<br>| Waived-Exception made for investor ownership above 60% - Due Diligence Vendor-01/02/2025<br>| XXXX |  | LTV is 47.14%. Maximum allowed per guidelines is 75%.<br> DTI is 30.39%. Maximum allowed per guidelines is 50%.<br> Residual Income is $4,934.16. Minimum Residual Income required per guidelines is $3500-Verified.<br> Employment 5+ yrs-Verified. | XX | Primary Residence | Purchase | NA | 3072261 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-24 04:02 | 2024-12-30 13:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received CD for sales proceeds - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/27/2024 <br>Open-Borrower selling Current home. As per Guidelines required Settlement statement for verifying sufficient net proceeds. - Due Diligence Vendor-12/24/2024 |  | Resolved-Received CD for sales proceeds - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3073210 | N/A | N/A |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-24 07:45 | 2024-12-30 06:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Deed document provided. - Due Diligence Vendor-12/30/2024 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/27/2024 <br>Open-Title Document is Incomplete Missing vesting in borrowers<br> - Due Diligence Vendor-12/24/2024 |  | Resolved-Deed document provided. - Due Diligence Vendor-12/30/2024 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3073715 | N/A | N/A |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-22 11:06 | 2024-12-30 06:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Provided:<br> Loan Amount < $XXXX - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/27/2024 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount As per Guidelines Minimum Loan amount $XXXX whereas loan have $XXXX which is not meeting the requirements. - Due Diligence Vendor-12/22/2024 | Ready for Review-Document Uploaded. - Seller-12/27/2024<br>| Waived-Exception Provided:<br> Loan Amount < $XXXX - Due Diligence Vendor-12/30/2024 | XXXX |  | Compensating Factors:<br> 1. Employment 5+ yrs-Verified.<br> 2. LTV is 47.14%. Maximum allowed per guidelines is 75%-Verified.<br> 3. Residual Income is $XXXX Minimum Residual Income required per guidelines is $3500-Verified. | XX | Primary Residence | Purchase | NA | 3062692 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-24 14:10 | 2024-12-24 14:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for single entity ownership being above 25% - Due Diligence Vendor-12/24/2024 |  | Waived-Loan does not conform to program guidelines Exception made for single entity ownership being above 25% - Due Diligence Vendor-12/24/2024<br>|  |  | Credit Score is 646. Minimum required per guidelines is 620.<br> LTV is 47.14%. Maximum allowed per guidelines is 75%.<br> DTI is 30.39%. Maximum allowed per guidelines is 50%. | XX | Primary Residence | Purchase | NA | 3075086 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-22 11:55 | 2024-12-23 22:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Massachusetts - Higher Priced Mortgage Loan | Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance with XXXX. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX (HPML). The loan's (8.551%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the (6.73%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXXand the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg. XXXX, page XXXX shows borrower receiving a copy of the appraisal, The loan meets HPML guidelines" - Due Diligence Vendor-12/22/2024 |  | Resolved-Massachusetts Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's (8.551%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the (6.73%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 445 and the Final Closing disclosure on Pg# 162 reflects escrows. Rate lock date was entered correctly see Pg.'s 448 An interior and exterior appraisal was completed for this property – see pg. 22, page 145 shows borrower receiving a copy of the appraisal, The loan meets HPML guidelines" - Due Diligence Vendor-12/22/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3062717 | N/A | N/A |
| XXXX | XXXX |  | 1923696 | Closed | 2024-12-22 11:55 | 2024-12-23 22:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.551%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXX and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg.XXXX., page XXXX shows borrower receiving a copy of the appraisal, The loan meets HPML guidelines" - Due Diligence Vendor-12/22/2024 |  | Resolved-The loan's (8.551%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 445 and the Final Closing disclosure on Pg# 162 reflects escrows. Rate lock date was entered correctly see Pg.'s 448 An interior and exterior appraisal was completed for this property – see pg. 22., page 145 shows borrower receiving a copy of the appraisal, The loan meets HPML guidelines" - Due Diligence Vendor-12/22/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3062718 | N/A | N/A |
| XXXX | XXXX |  | 1923698 | Closed | 2024-12-23 03:52 | 2024-12-26 08:19 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan Approval provided, finding Resolved - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/24/2024 <br> Open-Loan Approval form is on Page # XXXX shows Documentation 24 months bank statements but Borrower income Qualifying with 12 months bank statements. - Due Diligence Vendor-12/23/2024 |  | Resolved-Updated Loan Approval provided, finding Resolved - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3063867 | N/A | N/A |
| XXXX | XXXX |  | 1923698 | Closed | 2024-12-22 05:08 | 2024-12-26 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Required Document Provided, changes made in system, Finding Resolved. - Due Diligence Vendor-12/26/2024 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-12/26/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/24/2024 <br>Open-Borrower 1 Executed 4506-T Missing Missing 4506-T Doc in file for B1 Borrower. - Due Diligence Vendor-12/22/2024 |  | Resolved-Required Document Provided, changes made in system, Finding Resolved. - Due Diligence Vendor-12/26/2024 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3062472 | N/A | N/A |
| XXXX | XXXX |  | 1923691 | Closed | 2025-01-08 17:43 | 2025-01-10 18:53 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti steering disclosure. - Due Diligence Vendor-01/10/2025 <br> Ready for Review-XXXX acknowledges missing disclosure - Seller-01/08/2025 <br> Open-Please provide anti-steering disclosure - Due Diligence Vendor-01/08/2025 | Ready for Review-XXXX acknowledges missing disclosure - Seller-01/08/2025 | Acknowledged-Client acknowledges missing anti steering disclosure. - Due Diligence Vendor-01/10/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3164656 | Originator Post-Close | No |
| XXXX | XXXX |  | 1923691 | Closed | 2024-12-22 08:44 | 2025-01-08 17:32 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - XXXX Constitution 2% Fee Limit | Resolved-document received, data updated - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2025 <br> Open-The XXXX prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XXXX); XXXX) Confirmed this is State based finding. - Due Diligence Vendor-12/22/2024 |  | Resolved-document received, data updated - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3062604 | N/A | N/A |
| XXXX | XXXX |  | 1923691 | Closed | 2024-12-22 08:44 | 2025-01-08 17:32 | Resolved | 1 - Information C A | Compliance | Fees:Limited | XXXX - Maximum Fees Allowed | Resolved-document received, data updated - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. - Seller-01/06/2025 <br> Open-The XXXX prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (XXXX; XXXX) Confirmed this is State based finding. - Due Diligence Vendor-12/22/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025<br>| Resolved-document received, data updated - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3062606 | N/A | N/A |
| XXXX | XXXX |  | 1923691 | Closed | 2024-12-22 08:52 | 2025-01-02 20:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-document received, data updated - Due Diligence Vendor-01/02/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/30/2024 <br> Open-The Final 1003 is Incomplete Years in Industry XXXX is lower than Years in job XXXX Years. - Due Diligence Vendor-12/22/2024 |  | Resolved-document received, data updated - Due Diligence Vendor-01/02/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-01/02/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3062609 | N/A | N/A |
| XXXX | XXXX |  | 1923691 | Closed | 2024-12-22 08:55 | 2024-12-31 06:57 | Waived | 2 - Non-Material C B | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Waived-Exception Provided:<br> VOE > 10 days from Note - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/30/2024 <br>Open-Existence of business required within 10 calendar days of closing. (CPA and 3rd party are > 10 days) - Due Diligence Vendor-12/22/2024 |  | Waived-Exception Provided:<br> VOE > 10 days from Note - Due Diligence Vendor-12/31/2024<br>| XXXX |  | Compensating factors:<br> 1. Employment 5+ yrs-Verified.<br> 2. DTI is 32.01%. Maximum allowed per guidelines is 50%-Verified.<br> 3. Residual Income is $13,856.96. Minimum Residual Income required per guidelines is $3500-Verified. | XX | Primary Residence | Refinance | Cash Out - Other | 3062613 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1923691 | Closed | 2024-12-22 09:04 | 2024-12-22 09:05 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Exception page #XXXX is made for Income declining 27% in the most recent 6 months. - Due Diligence Vendor-12/22/2024 |  | Waived-Exception page #208 is made for Income declining 27% in the most recent 6 months. - Due Diligence Vendor-12/22/2024<br>|  |  | 1. LTV is 69.97%. Maximum allowed per guidelines is 75%.<br> 2. Borrower has 27.30 years in self employed same business. | XX | Primary Residence | Refinance | Cash Out - Other | 3062615 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1923691 | Closed | 2024-12-22 08:44 | 2025-01-08 17:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.14%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/08/2025 <br> Resolved-The loan's (9.14%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/22/2024 |  | Resolved-The loan's (9.14%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 180 An interior and exterior appraisal was completed for this property – see pg 51 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 46, and copy of the appraisal was given to the borrower – see Pg#'s 377 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/08/2025 <br>Resolved-The loan's (9.14%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 180 An interior and exterior appraisal was completed for this property – see pg 51 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 46, and copy of the appraisal was given to the borrower – see Pg#'s 377 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/22/2024<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3062605 | N/A | N/A |
| XXXX | XXXX |  | 1923688 | Closed | 2024-12-31 17:52 | 2025-01-02 15:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Reserves < 6 months. Actual 3.85 - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/01/2025 <br>Open-FTHB with LTV >85% require 6 months of reserves. - Due Diligence Vendor-12/31/2024 <br>Open-Audited Reserves of 3.85 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/31/2024 |  | Waived-Reserves < 6 months. Actual 3.85 - Due Diligence Vendor-01/02/2025<br>| XXXX |  | Residual Income is $XXXX Minimum Residual Income required per guidelines is $1500. <br> Credit Score is 756. Minimum required per guidelines is 720. | XX | Primary Residence | Purchase | NA | 3114481 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1923688 | Closed | 2024-12-23 12:03 | 2024-12-31 07:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Deed document & final title policy provided showing vesting in borrowers name. - Due Diligence Vendor-12/31/2024 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. - Buyer-12/30/2024 <br>Open-Title Document is Incomplete Missing vesting in borrowers<br> - Due Diligence Vendor-12/23/2024 |  | Resolved-Deed document & final title policy provided showing vesting in borrowers name. - Due Diligence Vendor-12/31/2024 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/31/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3064972 | N/A | N/A |
| XXXX | XXXX |  | 1923688 | Closed | 2024-12-23 11:42 | 2024-12-31 07:01 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Loan Approval Provided with Corrected DTI which is now matching with Loan file. - Due Diligence Vendor-12/31/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/30/2024 <br> Open-XXXX balance $XXXX was Authorized user so not considered to Tradelines<br> XXXX balance $XXXX was Authorized user so not considered to Tradelines<br> So getting DTI Variance >1 %. - Due Diligence Vendor-12/23/2024 |  | Resolved-Updated Loan Approval Provided with Corrected DTI which is now matching with Loan file. - Due Diligence Vendor-12/31/2024<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3064900 | N/A | N/A |
| XXXX | XXXX |  | 1923688 | Closed | 2024-12-23 11:37 | 2024-12-23 11:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.956%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 400 and the Final Closing disclosure on Pg# XXXX reflects escrows. Rate lock date was entered correctly see Pg#'s XXXX, XXXX. The loan meets HPML guidelines - Due Diligence Vendor-12/23/2024 |  | Resolved-The loan's (9.956%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 400 and the Final Closing disclosure on Pg# 152 reflects escrows. Rate lock date was entered correctly see Pg#'s 404, 149. The loan meets HPML guidelines - Due Diligence Vendor-12/23/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3064879 | N/A | N/A |
| XXXX | XXXX |  | 1939517 | Closed | 2024-12-24 14:07 | 2024-12-24 14:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-The loan's (9.516%) APR equals or exceeds the Federal HPML threshold of (9.28%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.78%). The System applied this threshold because this ($XXXX) loan exceeds ($XXXX), which is the XXXX conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #XXXX reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/24/2024 |  | Resolved-The loan's (9.516%) APR equals or exceeds the Federal HPML threshold of (9.28%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.78%). The System applied this threshold because this ($XXX) loan exceeds ($XXX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #667 and the Final Closing disclosure on Pg #373 reflects escrows. Rate lock date was entered correctly – see Pg #368 An interior and exterior appraisal was completed for this property – see Pg #45-53, the appraisal disclosure was provided to the borrower(s)- see Pg #31 and copy of the appraisal was given to the borrower – see Pg #31 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/24/2024 |  |  |  | XX | Primary Residence | Purchase | NA | 3075052 | N/A | N/A |
| XXXX | XXXX |  | 1939846 | Closed | 2025-01-06 17:10 | 2025-01-23 18:29 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Document received, data acknowledged. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/21/2025 <br>Open-Appraisal is present but does not support the same flood zone as the flood certificate - Due Diligence Vendor-01/06/2025 |  | Resolved-Document received, data acknowledged. - Due Diligence Vendor-01/23/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3144905 | N/A | N/A |
| XXXX | XXXX |  | 1939846 | Closed | 2024-12-30 13:29 | 2025-01-09 07:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Required document Provided, Changes made in system, Finding resolved - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. See flood ins B - Buyer-01/08/2025 <br> Open-Missing Flood Insurance Policy Flood zone is AE, Please clarify the use of policy XXX. - Due Diligence Vendor-12/30/2024 |  | Resolved-Required document Provided, Changes made in system, Finding resolved - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3100088 | N/A | N/A |
| XXXX | XXXX |  | 1939846 | Closed | 2024-12-30 14:39 | 2025-01-09 07:50 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan Approval document provided, Finding resolved - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/08/2025 <br> Open-As per provided documents the documentation is 24 Mo. Personal Bank Statements, however Approval cert page #XXXX showing 12 Mo. Personal Bank Statements. HTI and DTI also not matching with 1008. Provide updated approval cert. <br> - Due Diligence Vendor-12/30/2024 |  | Resolved-Updated Loan Approval document provided, Finding resolved - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3100761 | N/A | N/A |
| XXXX | XXXX |  | 1939846 | Closed | 2024-12-30 14:21 | 2024-12-30 14:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.67%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 |  | Resolved-The loan's (9.67%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 427 An interior and exterior appraisal was completed for this property – see pg 45 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31 , and copy of the appraisal was given to the borrower – see Pg#'s 427 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3100568 | N/A | N/A |
| XXXX | XXXX |  | 1959617 | Closed | 2025-01-15 19:17 | 2025-02-10 16:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Finding resolved - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/06/2025 <br>Counter-Document provided is not sufficient to mark the discount points bona fide - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/04/2025 <br>Open-Undiscounted Rate disclosure missing - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Finding resolved - Due Diligence Vendor-02/10/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3213260 | N/A | N/A |
| XXXX | XXXX |  | 1959617 | Closed | 2025-01-15 19:59 | 2025-01-23 23:23 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Waived-Received acceptable credit exception, finding has been resolved and cleared. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/21/2025 <br>Open-Borrower 1 W2/1099 Missing Need additional comp factors, due to multiple exceptions on file - Due Diligence Vendor-01/15/2025 |  | Waived-Received acceptable credit exception, finding has been resolved and cleared. - Due Diligence Vendor-01/23/2025<br>| XXXX |  | 1. LTV is 33.7%. Maximum allowed per guidelines is 80%.<br> 2. Credit Score is 620. Minimum required per guidelines is 750.<br> 3. Living for 5+ years in subject history<br> 4. 48+ months mortgage payment history with 0 mortgage lates (99 mos reviewed on credit report) | XX | Primary Residence | Refinance | Cash Out - Other | 3213832 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1959617 | Closed | 2025-01-15 19:26 | 2025-01-23 23:23 | Waived | 2 - Non-Material C B | Credit | Credit | Residual income requirement not met. | Waived-Received acceptable credit exception, finding has been resolved and cleared. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/21/2025 <br> Open-Minimum residual income required is $XXXX, borrower has $XXXX - Due Diligence Vendor-01/15/2025 |  | Waived-Received acceptable credit exception, finding has been resolved and cleared. - Due Diligence Vendor-01/23/2025<br>| XXXX |  | 1. LTV is 33.7%. Maximum allowed per guidelines is 80%.<br> 2. Credit Score is 620. Minimum required per guidelines is 750.<br> 3. Living for 5+ years in subject history<br> 4. 48+ months mortgage payment history with 0 mortgage lates (99 mos reviewed on credit report) | XX | Primary Residence | Refinance | Cash Out - Other | 3213377 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1959617 | Closed | 2025-01-13 07:07 | 2025-01-23 20:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception provided.<br> - Loan amount < $XXXX - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. - Seller-01/21/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Need additional comp factors, due to multiple exceptions on file - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Waived-Exception provided.<br> - Loan amount < $XXXX - Due Diligence Vendor-01/22/2025 | XXXX |  | 1. LTV is 33.7%. Maximum allowed per guidelines is 80%.<br> 2. Credit Score is 620. Minimum required per guidelines is 750.<br> 3. Living for 5+ years in subject history<br> 4. 48+ months mortgage payment history(99 mos reviewed on credit report) | XX | Primary Residence | Refinance | Cash Out - Other | 3189226 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1988128 | Closed | 2025-02-06 21:38 | 2025-02-28 14:48 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Finding resolved - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Loan has been mnoved to XXXX - Buyer-02/26/2025 <br> Counter-Pending investor clarification - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Loan is being switched from XXXX- this will no longer apply - Seller-02/12/2025 <br> Open-Missing 50% expense factor, CPA showing a fixed expense factor or a 3rd party P&L from file - Due Diligence Vendor-02/06/2025 | Ready for Review-Loan is being switched from XXXX- this will no longer apply - Seller-02/12/2025 | Resolved-Finding resolved - Due Diligence Vendor-02/28/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3370230 | N/A | N/A |
| XXXX | XXXX |  | 1988128 | Closed | 2025-02-04 10:25 | 2025-02-28 14:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Seller-02/13/2025 <br>Open-The Final 1003 is Incomplete LOX in file stating borrowers sold their previous primary residence, 1003 lists property as being retained - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/13/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3343051 | N/A | N/A |
| XXXX | XXXX |  | 1988128 | Closed | 2025-02-04 09:15 | 2025-02-13 07:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-12 months Business bank statement which was used for Income Provided. - Due Diligence Vendor-02/13/2025 <br>Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. - Seller-02/12/2025 <br>Open-Borrower 1 Personal Bank Statements Missing 12 months personal bank statement utilized on income calculation worksheet missing from file - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/12/2025<br>| Resolved-12 months Business bank statement which was used for Income Provided. - Due Diligence Vendor-02/13/2025 <br>Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3342901 | N/A | N/A |
| XXXX | XXXX |  | 1988128 | Closed | 2025-02-05 19:19 | 2025-02-13 07:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/12/2025 <br>Open-Borrower 1 Business Bank Statements Missing Two (2) months business bank statements (to support the borrower does maintain separate account(s)). If business bank statements cannot be provided to evidence a separate business account, then a 10% expense factor may be applied as long as there is no indication that the personal assets are a co-mingled account - Due Diligence Vendor-02/05/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3358584 | N/A | N/A |
| XXXX | XXXX |  | 1973087 | Closed | 2025-02-13 15:23 | 2025-03-05 22:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received XXXX, finding resolved - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Counter-Initial closing disclosure has a signature date of 1/31/24 for the co-borrower, correction missing - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-02/27/2025 <br> Open-Missing clarification on signature of second borrower on initial closing disclosure - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Received ICD, finding resolved - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3415743 | N/A | N/A |
| XXXX | XXXX |  | 1973087 | Closed | 2025-02-07 09:42 | 2025-03-03 13:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Counter-Received settlement, missing final closing disclosure<br> - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Counter-1. Received initial closing disclosure, clarification on co-borrower signature date required<br> 2. Missing final closing disclosure - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure missing from file - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3372727 | N/A | N/A |
| XXXX | XXXX |  | 1973087 | Closed | 2025-02-07 19:50 | 2025-02-11 21:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOX, finding resolved - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/07/2025 <br>Open-Missing LOE for decline in income for the most recent 6 months - Due Diligence Vendor-02/07/2025 |  | Resolved-Received LOX, finding resolved - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3378586 | N/A | N/A |
| XXXX | XXXX |  | 1973087 | Closed | 2025-02-07 08:02 | 2025-02-10 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE with Active status uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/10/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 calendar days of closing. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Borrower 1 3rd Party VOE with Active status uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/10/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/10/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3372509 | N/A | N/A |
| XXXX | XXXX |  | 1973087 | Closed | 2025-03-03 13:49 | 2025-03-03 13:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.138%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/03/2025 |  | Resolved-The loan's (9.138%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 193An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 482, and copy of the appraisal was given to the borrower – see Pg#'s 40for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/03/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3511116 | N/A | N/A |
| XXXX | XXXX |  | 1979033 | Closed | 2025-02-19 08:57 | 2025-02-21 15:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception made for 80% LTV - Due Diligence Vendor-02/19/2025 |  | Waived-Audited LTV Exceeds Guideline LTV Exception made for 80% LTV - Due Diligence Vendor-02/19/2025<br>|  |  | Borrower employed in same business for 10+ years<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $3500.  | XX | Primary Residence | Refinance | Cash Out - Other | 3443787 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1979033 | Closed | 2025-02-19 08:41 | 2025-02-21 15:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.697%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXXand the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX,XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXXX, XXXX, XXXX and copy of the appraisal was given to the borrower see Pg XXXX, XXXX, XXXX , XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/19/2025 |  | Resolved-The loan's (8.697%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#318 and the Final Closing disclosure on Pg#127. Rate lock date was entered correctly see Pg#'s 360 An interior and exterior appraisal was completed for this property – see pg 48, 114, 437 the appraisal disclosure was provided to the borrower(s)- see Pg#' 48, 114, 437 and copy of the appraisal was given to the borrower see Pg 48, 114, 437 , 365for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3443690 | N/A | N/A |
| XXXX | XXXX |  | 1979033 | Closed | 2025-02-19 08:41 | 2025-02-21 15:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan | Resolved-XXXX provide that compliance with XXXX constitutes compliance with XXXX. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX (HPML). The loan's (8.697%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the (6.89%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX; XXXX) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX, XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXXX, XXXX, XXXX and copy of the appraisal was given to the borrower see Pg XXXX, XXXX, XXXX , XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/19/2025 |  | Resolved-Massachusetts Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's (8.697%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the (6.89%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#318 and the Final Closing disclosure on Pg#127. Rate lock date was entered correctly see Pg#'s 360 An interior and exterior appraisal was completed for this property – see pg 48, 114, 437 the appraisal disclosure was provided to the borrower(s)- see Pg#' 48, 114, 437 and copy of the appraisal was given to the borrower see Pg 48, 114, 437 , 365for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3443688 | N/A | N/A |
| XXXX | XXXX |  | 1979032 | Closed | 2025-02-20 06:45 | 2025-02-20 06:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.017%) APR equals or exceeds the Federal HPML threshold of (8.57%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXXX. Rate lock date was entered correctly see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, XXXX, XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXXX, XXXX, XXXX and copy of the appraisal was given to the borrower see Pg XXXX, XXXX, XXXX,XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/20/2025 |  | Resolved-The loan's (9.017%) APR equals or exceeds the Federal HPML threshold of (8.57%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#363 and the Final Closing disclosure on Pg#175. Rate lock date was entered correctly see Pg#'s 174 An interior and exterior appraisal was completed for this property – see pg 34, 160, 467 the appraisal disclosure was provided to the borrower(s)- see Pg#' 34, 160, 467 and copy of the appraisal was given to the borrower see Pg 34, 160, 467, 387for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-02/20/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3451749 | N/A | N/A |
| XXXX | XXXX |  | 2007423 | Closed | 2025-02-28 13:21 | 2025-03-12 15:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV Exceeds Guideline LTV Updated matrix received during review - Due Diligence Vendor-03/12/2025 <br> Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/06/2025 <br> Counter-Thank you for the clarification. The most recent matrix we have is dated XXXX which does not include the higher LTV - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Verified LTV is 85% however maximum LTV per guideline is 80% for XXXX. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Audited LTV Exceeds Guideline LTV Updated matrix received during review - Due Diligence Vendor-03/12/2025 <br>Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3500068 | N/A | N/A |
| XXXX | XXXX |  | 2007423 | Closed | 2025-02-28 17:18 | 2025-03-12 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/10/2025 <br>Open-Hazard Insurance Policy Partially Provided Insurance binder does not include policy number - Due Diligence Vendor-02/28/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3502726 | N/A | N/A |
| XXXX | XXXX |  | 2007423 | Closed | 2025-02-28 17:26 | 2025-03-05 17:23 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-Document received, data updated. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Open-Guaranty document is present but does not support loan amount as noted. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Document received, data updated. - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3502877 | N/A | N/A |
| XXXX | XXXX |  | 2007423 | Closed | 2025-02-28 17:13 | 2025-03-05 17:22 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Document received, data acknowledged. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. see attached- borrower owns primary res - f/c - Buyer-03/03/2025 <br>Open-Loan does not conform to program guidelines Borrower does not own primary residence. Please address GL requirement - Due Diligence Vendor-02/28/2025 |  | Resolved-Document received, data acknowledged. - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3502660 | N/A | N/A |
| XXXX | XXXX |  | 2007423 | Closed | 2025-02-28 17:02 | 2025-03-05 17:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Seller contributions >2% actual 3% - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/03/2025 <br>Open-property seller and/or interested parties contribution > 2% - Due Diligence Vendor-02/28/2025 |  | Waived-Seller contributions >2% actual 3% - Due Diligence Vendor-03/05/2025<br>| XXXX |  | DSCR is 1.981. Minimum required per guidelines is 1.<br> Borrower(s) have 65.82 months Reserves. Minimum required per guidelines is 6 months. | XX | Investment | Purchase | NA | 3502581 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1995587 | Closed | 2025-03-17 18:38 | 2025-03-19 14:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'N/A' - Due Diligence Vendor-03/17/2025 |  | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-03/19/2025 | XXXX |  |  | XX | Investment | Purchase | NA | 3628826 | N/A | N/A |
| XXXX | XXXX |  | 1995587 | Closed | 2025-03-13 06:59 | 2025-03-19 14:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Clarification received on escrow waiver not being required on loan, finding resolved - Due Diligence Vendor-03/19/2025 <br>Ready for Review- There will not be an escrow waiver if there is an escrow account disclosure. Taxes are escrowed. - Buyer-03/17/2025 <br>Open-Hazard insurance is not in Escrow account, however Escrow waiver is missing for Hazard Insurance. - Due Diligence Vendor-03/13/2025 |  | Resolved-Clarification received on escrow waiver not being required on loan, finding resolved - Due Diligence Vendor-03/19/2025<br>|  |  |  | XX | Investment | Purchase | NA | 3599131 | N/A | N/A |
| XXXX | XXXX |  | 1995587 | Closed | 2025-03-13 07:01 | 2025-03-19 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Required minimum 12 months housing history. Primary mortgage history months review showing 2. - Due Diligence Vendor-03/13/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3599140 | N/A | N/A |
| XXXX | XXXX |  | 1995599 | Closed | 2025-03-18 21:12 | 2025-03-24 13:54 | Acknowledged | 2 - Non-Material C B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Per counsel, this is ok to proceed as a B grade. - Due Diligence Vendor-03/24/2025 <br>Open-Please provide spousal consent. This is a state requirement and not dependent on the loan type, please let us know if you have clarification - Due Diligence Vendor-03/18/2025 |  | Acknowledged-Per counsel, this is ok to proceed as a B grade. - Due Diligence Vendor-03/24/2025<br>|  |  |  | XX | Investment | Purchase | NA | 3641373 | Originator Post-Close | No |
| XXXX | XXXX |  | 1995588 | Closed | 2025-03-19 09:28 | 2025-03-21 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/21/2025 <br> Resolved-ALTA statement of secured funds provided. Resolved - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/20/2025 <br> Open-Net Proceeds for sale $XXXX no proof provided to meet minimum reserves 3 months. Need supporting doc for Net Proceeds. <br> - Due Diligence Vendor-03/19/2025 |  | Resolved-Audited Reserves of 23.92 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/21/2025 <br>Resolved-ALTA statement of secured funds provided. Resolved - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3643861 | N/A | N/A |
| XXXX | XXXX |  | 2007428 | Closed | 2025-03-21 08:10 | 2025-03-28 18:39 | Acknowledged | 2 - Non-Material C B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Per upper management this is a B grade condition. Finding has been acknowledged as B grade.<br> - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Not required- vested in LLC - (per Alex and Tunc) - Buyer-03/26/2025 <br>Open-Spousal consent missing from file - Due Diligence Vendor-03/21/2025 |  | Acknowledged-Per upper management this is a B grade condition. Finding has been acknowledged as B grade.<br> - Due Diligence Vendor-03/28/2025<br>|  |  |  | XX | Investment | Purchase | NA | 3665186 | Originator Post-Close | No |
| XXXX | XXXX |  | 2007428 | Closed | 2025-03-21 08:13 | 2025-03-25 20:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception made for using 3% max seller credit instead of 2% - Due Diligence Vendor-03/21/2025 |  | Waived-Exception made for using 3% max seller credit instead of 2% - Due Diligence Vendor-03/21/2025<br>|  |  | 1. DSCR is 1.253. Minimum required per guidelines is 1.<br> 2. No late payments ever on credit for any of the borrowers. | XX | Investment | Purchase | NA | 3665194 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1996200 | Closed | 2025-03-21 01:59 | 2025-03-28 14:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Document received, data acknowledged - Due Diligence Vendor-03/28/2025 <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-Asset 4 Does Not Meet Guideline Requirements Please provide net sale proceeds. - Due Diligence Vendor-03/21/2025 |  | Resolved-Document received, data acknowledged - Due Diligence Vendor-03/28/2025 <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3664361 | N/A | N/A |
| XXXX | XXXX |  | 1996200 | Closed | 2025-03-25 16:24 | 2025-03-28 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Please provide purchase contract - Due Diligence Vendor-03/25/2025 |  | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3690057 | N/A | N/A |
| XXXX | XXXX |  | 1996199 | Closed | 2025-03-24 08:14 | 2025-03-31 18:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception made for no VOR/ housing history - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR for previous primary residence - Due Diligence Vendor-03/24/2025 |  | Waived-Exception made for no VOR/ housing history - Due Diligence Vendor-03/31/2025<br>| XXXX |  | Employment 5+ years, Per file 6.08 years - Verified<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $3500.  | XX | Primary Residence | Purchase | NA | 3676591 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 1996199 | Closed | 2025-03-24 08:12 | 2025-03-28 16:47 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti-steering disclosure - Due Diligence Vendor-03/28/2025 <br> Ready for Review-XXXX acknowledges missing disclosure - Buyer-03/26/2025 <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, however same missing in file. - Due Diligence Vendor-03/24/2025 |  | Acknowledged-Client acknowledges missing anti-steering disclosure - Due Diligence Vendor-03/28/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 3676588 | Investor Post-Close | No |
| XXXX | XXXX |  | 2007424 | Closed | 2025-03-26 01:40 | 2025-03-31 05:17 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan approval document shows Documentation as 12 months bank statements. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br>Open- Borrower qualifying with 12 months bank statements, Loan approval document showing as 24 months business bank statements.<br> - Due Diligence Vendor-03/26/2025 |  | Resolved-Updated Loan approval document shows Documentation as 12 months bank statements. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3694408 | N/A | N/A |
| XXXX | XXXX |  | 2007435 | Closed | 2025-03-25 05:02 | 2025-04-04 14:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Subject Property Located in CA State missing Coverage amount in Title Need supporting doc for Coverage amount to meet loan amount. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/31/2025 | XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3685610 | N/A | N/A |
| XXXX | XXXX |  | 2007435 | Closed | 2025-03-25 05:59 | 2025-04-04 14:15 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Document received, data updated. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/02/2025 <br> Counter-Please upload once more as it is failing to load on our side. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Rent Loss Coverage amount missing in Hazard Insurance doc on page # XXXX. But loan have mail conversation on Page # XXXX regarding Rent loss amount. Need supporting doc for Rent Loss amount as loan is Investment. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Document received, data updated. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3685773 | N/A | N/A |
| XXXX | XXXX |  | 2007435 | Closed | 2025-03-27 16:48 | 2025-04-02 16:51 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (3) | Resolved-Document received, data acknowledged. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared 01/08/2025 with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-03/27/2025 |  | Resolved-Document received, data acknowledged. - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3710644 | N/A | N/A |
| XXXX | XXXX |  | 2007435 | Closed | 2025-03-25 05:50 | 2025-03-31 10:23 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Requested Bank Statements provided for rent receipts hence resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br> Open-Loan does not conform to program guidelines Please confirm 2 most recent bank statements showing consecutive rental payments. Unable to determine if deposits made on statements are from renter (page XXXX). - Due Diligence Vendor-03/25/2025 |  | Resolved-Requested Bank Statements provided for rent receipts hence resolved. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3685748 | N/A | N/A |
| XXXX | XXXX |  | 2007435 | Closed | 2025-03-25 05:50 | 2025-03-31 10:20 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Requested Originator DSCR Calculation provided from 1008 hence resolved.<br> - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br>Open-DSCR does not meet the minimum requirement of 1.0. Actual DSCR 0.998%. - Due Diligence Vendor-03/25/2025 <br>Open- - Due Diligence Vendor-03/25/2025 |  | Resolved-Requested Originator DSCR Calculation provided from 1008 hence resolved.<br> - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3685747 | N/A | N/A |
| XXXX | XXXX |  | 2007435 | Closed | 2025-03-27 21:57 | 2025-03-27 22:02 | Acknowledged | 2 - Non-Material B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Spousal consent state: missing form in file. 1003 indicate the borrower is married. Per internal decision ok to proceed as B grade. - Due Diligence Vendor-03/27/2025 |  | Acknowledged-Spousal consent state: missing form in file. 1003 indicate the borrower is married. Per internal decision ok to proceed as B grade. - Due Diligence Vendor-03/27/2025<br>|  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3714565 | Originator Post-Close | No |
| XXXX | XXXX |  | 2000685 | Closed | 2025-03-27 21:39 | 2025-04-01 20:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for property being rural - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Loan was reviewed at time the loan was underwritten. No additional documentation is required. <br> Multiple compensating factors:<br> Employment 5+ yrs<br> Residual Income > $3500<br> Fico > 20 pts or more than minimum<br> - Buyer-03/28/2025 <br>Open-Loan does not conform to program guidelines Property is rural, loan program allows rural on a case by case basic, no review in file - Due Diligence Vendor-03/27/2025 |  | Waived-Exception made for property being rural - Due Diligence Vendor-04/01/2025<br>|  |  | Self-employed in same business for 7+ years<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $3500. <br> Credit Score is 806. Minimum required per guidelines is 640. | XX | Primary Residence | Purchase | NA | 3714491 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2000688 | Closed | 2025-03-27 18:21 | 2025-03-31 20:28 | Acknowledged | 2 - Non-Material C B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-This is lowered to B grade and acknowledged per counsel's decision. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-This is a refinance of an investment; Spouse is not required to sign off for property type and transaction in this state - Buyer-03/27/2025 <br>Open-Missing spousal consent - Due Diligence Vendor-03/27/2025 |  | Acknowledged-This is lowered to B grade and acknowledged per counsel's decision. - Due Diligence Vendor-03/31/2025<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 3711955 | Originator Post-Close | No |
| XXXX | XXXX |  | 2000688 | Closed | 2025-03-25 11:41 | 2025-03-31 18:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for rural property on an investment - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br>Open-Loan does not conform to program guidelines Loan is for a rural on an investment property - investment properties will be reviewed on a case by case basis if the home has less than 2 acres in lot size, missing case by case review - Due Diligence Vendor-03/25/2025 |  | Waived-Exception made for rural property on an investment - Due Diligence Vendor-03/31/2025<br>| XXXX |  | DSCR is 1.141. Minimum required per guidelines is 1.<br> Borrower(s) have 25.48 months Reserves. Minimum required per guidelines is 3 months.<br> LTV is 59.78%. Maximum allowed per guidelines is 75%. | XX | Investment | Refinance | Cash Out - Other | 3686884 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2000688 | Closed | 2025-03-27 17:50 | 2025-03-27 17:50 | Waived | 2 - Non-Material B | Credit | Guidelines | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception made for property was listed for sale within the past 3 months - Due Diligence Vendor-03/27/2025 |  | Waived-Exception made for property was listed for sale within the past 3 months - Due Diligence Vendor-03/27/2025<br>|  |  | DSCR is 1.14. Minimum required per guidelines is 1.<br> Borrower(s) have 25.48 months Reserves. Minimum required per guidelines is 12 months. | XX | Investment | Refinance | Cash Out - Other | 3711545 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2000686 | Closed | 2025-03-27 21:23 | 2025-03-27 21:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for vesting closing in a trust - Due Diligence Vendor-03/27/2025 |  | Waived-Loan does not conform to program guidelines Exception made for vesting closing in a trust - Due Diligence Vendor-03/27/2025<br>|  |  | 1. DSCR is 1.181. Minimum required per guidelines is 1.<br> 2. No derogatory credit history.<br> 3. Borrower(s) have 432.87 months Reserves. Minimum required per guidelines is 3 months.<br> 4. LTV is 65%. Maximum allowed per guidelines is 85%.<br>| XX | Investment | Purchase | NA | 3714410 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2000686 | Closed | 2025-03-25 16:05 | 2025-03-27 21:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception made for DSCR loan with borrower living rent free - Due Diligence Vendor-03/25/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception made for DSCR loan with borrower living rent free - Due Diligence Vendor-03/25/2025<br>|  |  | 1. DSCR is 1.181. Minimum required per guidelines is 1.<br> 2. No derogatory credit history | XX | Investment | Purchase | NA | 3689918 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2000691 | Closed | 2025-03-29 16:35 | 2025-04-02 19:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-document received - Due Diligence Vendor-04/02/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. There will not be 2 months - new account open see statement- funds deposited from HELOC - Buyer-03/31/2025 <br>Open-Please provide most recent 2 months' account statements for asset 2 - Due Diligence Vendor-03/29/2025 |  | Resolved-document received - Due Diligence Vendor-04/02/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3725859 | N/A | N/A |
| XXXX | XXXX |  | 2000691 | Closed | 2025-03-29 16:58 | 2025-04-02 19:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br>Open-Please provide initial 1003 - Due Diligence Vendor-03/29/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3725913 | N/A | N/A |
| XXXX | XXXX |  | 2000692 | Closed | 2025-03-29 17:41 | 2025-04-02 17:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Factor acknowledged. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-UW advised using 50% exp factor since no business expenses are coming out of the accounts provided. - Buyer-03/31/2025 <br>Open-Business narrative is present but does not support expense factor as noted on income worksheet - Due Diligence Vendor-03/29/2025 |  | Resolved-Factor acknowledged. - Due Diligence Vendor-04/02/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3725958 | N/A | N/A |
| XXXX | XXXX |  | 2000692 | Closed | 2025-03-27 04:56 | 2025-04-01 10:53 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan Approval provided. Resolved<br> - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Lender approval doc is on Page # XXXX shows Document type 12 months Business Bank statements but income Qualifying with > 12 months bank statements as income calculation appears to be using a portion of XXXX. Please advise - Due Diligence Vendor-03/29/2025 |  | Resolved-Updated Loan Approval provided. Resolved<br> - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 3705316 | N/A | N/A |
| XXXX | XXXX |  | 2000689 | Closed | 2025-03-31 14:39 | 2025-04-02 20:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Short Term Rental / ADU - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br>Open-Loan does not conform to program guidelines DSCR calculated using short term rental income from ADU. - Due Diligence Vendor-03/31/2025 |  | Waived-Short Term Rental / ADU - Due Diligence Vendor-04/02/2025<br>| XXXX |  | DSCR is 1.549. Minimum required per guidelines is 1.<br> Credit Score is 767. Minimum required per guidelines is 680. | XX | Investment | Refinance | Cash Out - Other | 3730067 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2007417 | Closed | 2025-03-28 04:45 | 2025-04-03 14:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-DSCR/ Does not own primary - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements DSCR - borrower does not own primary residence and is not renting for the foreseeable future. Borrower's primary residence lease ends XXXX. Please advise - Due Diligence Vendor-03/28/2025 |  | Waived-DSCR/ Does not own primary - Due Diligence Vendor-04/03/2025<br>| XXXX |  | DSCR is 1.355. Minimum required per guidelines is 1.<br> Borrower(s) have 41.73 months Reserves. Minimum required per guidelines is 9 months.<br> Credit Score is 778. Minimum required per guidelines is 680. | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3715504 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 2007417 | Closed | 2025-03-31 19:42 | 2025-04-03 14:32 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Document received, data acknowledged. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/01/2025 <br>Open-Please provide Business Entity EIN document. - Due Diligence Vendor-03/31/2025 |  | Resolved-Document received, data acknowledged. - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 3734323 | N/A | N/A |
| XXXX | XXXX |  | 2007415 | Closed | 2025-03-28 13:55 | 2025-04-11 10:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-03/28/2025 |  | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-04/11/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | 3718201 | N/A | N/A |
| XXXX | XXXX |  | 2007415 | Closed | 2025-03-28 16:36 | 2025-04-07 14:43 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Received PCCD with updated fees, finding resolved - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br> Open-XXXX and XXXX fee is paid to a provider that's not on providers list, but the fee is still in section B, move the XXXX and XXXX fee to section C. - Due Diligence Vendor-03/28/2025 |  | Resolved-Received PCCD with updated fees, finding resolved - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3720693 | N/A | N/A |
| XXXX | XXXX |  | 2007426 | Closed | 2025-04-02 20:58 | 2025-04-07 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br>Open-Title Document is Incomplete Vesting missing in just borrowers name and trust - Due Diligence Vendor-04/02/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3756680 | N/A | N/A |
| XXXX | XXXX |  | 2007426 | Closed | 2025-04-02 20:55 | 2025-04-07 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Receive Trust documentation, finding resolved - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br>Open-Trust missing from file - Due Diligence Vendor-04/02/2025 |  | Resolved-Receive Trust documentation, finding resolved - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3756649 | N/A | N/A |
| XXXX | XXXX |  | 2007433 | Closed | 2025-04-04 19:52 | 2025-04-08 22:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documents received - Due Diligence Vendor-04/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. its full reconveyance for the mortgage in file used to support free and clear along with a clear hoi clause showing no mortgagee. - Buyer-04/07/2025 <br>Open-Please provide housing history/property report for primary residence - Due Diligence Vendor-04/04/2025 |  | Resolved-Documents received - Due Diligence Vendor-04/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3788572 | N/A | N/A |
| XXXX | XXXX |  | 2007433 | Closed | 2025-04-03 15:20 | 2025-04-08 10:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br> Resolved-Title Coverage Amount of $XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/07/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-04/03/2025 |  | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/08/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | 3773567 | N/A | N/A |
| XXXX | XXXX |  | 2007434 | Closed | 2025-04-04 16:46 | 2025-04-07 22:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Document received - Due Diligence Vendor-04/07/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Please provide GAP. One report in file dated XXXX - Due Diligence Vendor-04/04/2025 |  | Resolved-Document received - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 3785883 | N/A | N/A |
| XXXX | XXXX |  | 2007421 | Closed | 2025-04-04 12:49 | 2025-04-08 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/07/2025 <br> Ready for Review-We have reviewed the title, page XXXX and the taxes are $XXXX and $XXXX for both both installments - that does equal12 months payments at $XXXX - Buyer-04/07/2025 <br> Open-Missing Evidence of Property Tax No Tax provided in file but Title doc shows Tax amount and not matching with Final HUD Need supporting doc for Tax doc matching with HUD Doc. - Due Diligence Vendor-04/04/2025 |  | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XX | Investment | Purchase | NA | 3782375 | N/A | N/A |
| XXXX | XXXX |  | 2007420 | Closed | 2025-04-09 15:15 | 2025-04-09 15:15 | Waived | 2 - Non-Material B | Credit | Guidelines | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception made for property being listed for sale less than 3 months ago - Due Diligence Vendor-04/09/2025 |  | Waived-Exception made for property being listed for sale less than 3 months ago - Due Diligence Vendor-04/09/2025<br>|  |  | LTV is 48.82%. Maximum allowed per guidelines is 75%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $3500.  | XX | Primary Residence | Refinance | Cash Out - Other | 3817524 | Originator Pre-Close | Yes |

---

## Exhibit 99.56

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.56**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 1643193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.1 | 55.1 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Not Eligible | 1.6 | XXXX |
| XXXX |  | 1722484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.32 | 64.32 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Not Eligible | 4.3 | XXXX |
| XXXX |  | 1944830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Eligible | 2 | XXXX |
| XXXX |  | 1944831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Eligible | 1.6 | XXXX |
| XXXX |  | 1891929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX | 0 | XXXX | Other | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.26 | 68.26 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX | 0 | XXXX | Other | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.67 | 58.67 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1939515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1939842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.99 | 74.99 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1901755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 1901743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.24 | 46.24 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Eligible | 1.4 | XXXX |
| XXXX |  | 1923687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1939844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.5 | 78.5 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1952350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.52 | 68.52 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Eligible |  | XXXX |
| XXXX |  | 1923696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 47.14 | 47.14 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.78 | 58.78 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.97 | 69.97 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1923688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1939517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1939846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1959617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 33.7 | 33.7 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1988128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1973087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1979033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1979032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1995589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.91 | 64.91 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | 3000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1995587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1995599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1995588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.7 | 74.7 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1996200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.69 | 57.69 | XXXX | 40000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 40000 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 1996199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | 0 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.89 | 56.89 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2000685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2000688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.78 | 59.78 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2000686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2000691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2000692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.86 | 50.86 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Not Eligible | 5 | XXXX |
| XXXX |  | 2000684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2000689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | -86474 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -86474 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.05 | 50.05 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 2007421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 2007420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.82 | 48.82 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  | Not Eligible | 1.9 | XXXX |
| XXXX |  | 2007430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.1 | 73.1 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |

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## Exhibit 99.57

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.57**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXXX |  | 1643193 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12432.5 | 09/19/2022 | 6.090% | Manual Underwriting | Manual Underwriting | No | 8.115% |  | 7.625% | 7.625% | $1911.04 | No | $3010.56 | $250.88 | $1517.04 | $126.42 | $0.00 | $0.00 | $0.00 | $2288.34 | $5651.83 | N/A | XXXX |  | $0.00 | XXXX |  | 48.61% | 48.61% | 48.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A |  | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A |  | NA | 0 | No |  | Yes | 188 | 188 | Other | NA |  | 0 | N/A | No | 0 |  |  | Borrower - Wage, SSI and Disability, SSI and Disability - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2019, 2020 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2019, 2020 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 655 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0 | 61080.70 | 26.7 |  | 55.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1722484 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7510 | 01/16/2023 | 6.260% | Manual Underwriting | Manual Underwriting | No | 10.055% |  | 9.750% | 9.750% | $2586.05 | No | $1564.08 | $130.34 | $3012.96 | $251.08 | $0.00 | $0.00 | $0.00 | $2967.47 | $30253.90 | N/A | XXXX |  | $0.00 | XXXX |  | 18.23% | 18.28% | 18.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A |  | Yes | 257 | No |  | Yes | 257 | 257 | N/A | NA |  | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 626 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | AZ | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0 | 113436.63 | 38.2 | No | 64.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1944830 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/18/2024 | 6.900% | Manual Underwriting | Manual Underwriting | No | 10.540% |  | 9.999% | 9.999% | $3790.79 | No | $3602.16 | $300.18 | $3054.96 | $254.58 | $3096.00 | $258.00 | $0.00 | $4603.55 | $8217.93 | Yes | XXXX | FL | $258.00 | XXXX | Monthly | 43.75% | 43.75% | 43.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 639 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 104894.40 | 22.8 | 104894.40 | 22.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1944831 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/22/2024 | 6.760% | Manual Underwriting | Manual Underwriting | No | 10.356% |  | 9.999% | 9.999% | $3896.09 | No | $16199.52 | $1349.96 | $1137.96 | $94.83 | $0.00 | $0.00 | $0.00 | $5340.88 | $6155.51 | N/A | XXXX |  | $0.00 | XXXX |  | 49.27% | 49.27% | 49.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  |  | Employment Authorization Document (I-821D) |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 91719.13 | 17.2 | 91719.13 | 17.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1891929 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/01/2024 | 6.800% | Manual Underwriting | Manual Underwriting | No | 9.775% |  | 9.250% | 9.250% | $3586.86 | No | $4427.04 | $368.92 | $7941.96 | $661.83 | $1700.04 | $141.67 | $0.00 | $4759.28 | $22034.87 | N/A | XXXX | FL | $141.67 | XXXX | Annually | 37.04% | 37.04% | 37.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 103936.25 | 21.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923710 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/20/2024 | 6.150% | Manual Underwriting | Manual Underwriting | No | 9.292% |  | 8.875% | 8.875% | $1591.29 | No | $1791.72 | $149.31 | $2057.04 | $171.42 | $0.00 | $0.00 | $0.00 | $1912.02 | $2506.65 | N/A | XXXX |  | $0.00 | XXXX |  | 49.51% | 49.49% | 49.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 622 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 185685.46 | 97.1 | No | 68.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901191 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/08/2024 | 6.120% | Manual Underwriting | Manual Underwriting | No | 8.402% |  | 8.125% | 8.125% | $5642.98 | No | $7593.12 | $632.76 | $6549.96 | $545.83 | $0.00 | $0.00 | $0.00 | $6821.57 | $28196.03 | N/A | XXXX |  | $0.00 | XXXX |  | 31.27% | 30.85% | 30.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 9 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 568508.64 | 83.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901200 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/24/2024 | 6.400% | Manual Underwriting | Manual Underwriting | No | 8.510% |  | 8.250% | 8.250% | $7324.85 | No | $17853.96 | $1487.83 | $1286.16 | $107.18 | $0.00 | $0.00 | $0.00 | $8919.86 | $13441.22 | N/A | XXXX |  | $0.00 | XXXX |  | 46.47% | 46.47% | 46.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 8 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SEPartnership, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 182437.48 | 20.5 | 182437.48 | 20.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901757 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/16/2024 | 6.150% | Manual Underwriting | Manual Underwriting | No | 8.490% |  | 8.115% | 8.115% | $4895.86 | No | $8104.56 | $675.38 | $8777.04 | $731.42 | $0.00 | $0.00 | $0.00 | $6302.66 | $13402.11 | N/A | XXXX |  | $0.00 | XXXX |  | 44.07% | 44.02% | 44.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | MN | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 314854.00 | 50 | No | 58.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1939515 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/17/2024 | 6.150% | Manual Underwriting | Manual Underwriting | No | 9.058% |  | 8.625% | 8.625% | $1925.03 | No | $4104.72 | $342.06 | $2788.32 | $232.36 | $99.96 | $8.33 | $0.00 | $2507.78 | $4363.80 | N/A | XXXX | FL | $8.33 | XXXX | Annually | 49.48% | 49.07% | 49.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25869.31 | 10.3 | 25869.31 | 10.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901764 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/28/2024 | 6.590% | Manual Underwriting | Manual Underwriting | No | 8.837% |  | 8.500% | 8.500% | $5017.16 | No | $9062.52 | $755.21 | $2340.96 | $195.08 | $0.00 | $0.00 | $0.00 | $5967.45 | $13602.90 | N/A | XXXX |  | $0.00 | XXXX |  | 32.87% | 32.61% | 32.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 77335.52 | 13 | 77335.52 | 13 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1939842 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/09/2024 | 6.120% | Manual Underwriting | Manual Underwriting | No | 8.986% |  | 8.625% | 8.625% | $6807.60 | No | $12156.24 | $1013.02 | $2076.00 | $173.00 | $0.00 | $0.00 | $0.00 | $7993.62 | $10309.30 | N/A | XXXX |  | $0.00 | XXXX |  | 48.73% | 48.73% | 48.73% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 65.19% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 22 | 22 | Work Number | No | 0 |  | N/A | Borrower - SESCorp, SEPartnership - Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88830.64 | 11.1 | 88830.64 | 11.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1901758 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/29/2024 | 6.590% | Manual Underwriting | Manual Underwriting | No | 6.515% |  | 6.375% | 6.375% | $5848.00 | No | $14016.24 | $1168.02 | $1225.68 | $102.14 | $0.00 | $0.00 | $0.00 | $7118.16 | $14890.84 | N/A | XXXX |  | $0.00 | XXXX |  | 34.00% | 33.82% | 33.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 65.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 119247.96 | 16.8 | 119247.96 | 16.8 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901761 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/08/2024 | 6.730% | Manual Underwriting | Manual Underwriting | No | 9.819% |  | 9.500% | 9.500% | $4406.08 | No | $3459.00 | $288.25 | $2301.00 | $191.75 | $0.00 | $0.00 | $0.00 | $4886.08 | $8093.90 | N/A | XXXX |  | $0.00 | XXXX |  | 41.80% | 41.19% | 41.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | AZ | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29561.77 | 6.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901755 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/15/2024 | 6.360% | Manual Underwriting | Manual Underwriting | No | 9.483% |  | 9.000% | 9.000% | $2285.13 | No | $4485.00 | $373.75 | $2354.88 | $196.24 | $450.00 | $37.50 | $0.00 | $2892.62 | $9340.49 | N/A | XXXX | MD | $37.50 | XXXX | Annually | 37.38% | 37.08% | 37.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | MD | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44727.54 | 15.5 | 44727.54 | 15.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1901743 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/22/2024 | 6.400% | Manual Underwriting | Manual Underwriting | No | 7.915% |  | 7.750% | 7.750% | $12422.59 | No | $25500.00 | $2125.00 | $1404.12 | $117.01 | $0.00 | $0.00 | $0.00 | $14664.60 | $18002.95 | N/A | XXXX |  | $0.00 | XXXX |  | 45.38% | 45.17% | 45.17% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 154803.15 | 10.6 | 154803.15 | 10.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1923715 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/05/2024 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.072% |  | 7.625% | 7.625% | $1521.76 | No | $5733.96 | $477.83 | $1673.04 | $139.42 | $0.00 | $0.00 | $0.00 | $2139.01 | $4267.99 | N/A | XXXX |  | $0.00 | XXXX |  | 46.57% | 44.57% | 44.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 105339.83 | 49.3 | No | 46.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923690 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/28/2024 | 6.590% | Manual Underwriting | Manual Underwriting | No | 9.144% |  | 8.875% | 8.875% | $3362.00 | No | $5868.72 | $489.06 | $1554.00 | $129.50 | $0.00 | $0.00 | $0.00 | $3980.56 | $7648.78 | N/A | XXXX |  | $0.00 | XXXX |  | 37.80% | 37.80% | 37.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | IA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | KS | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 50798.08 | 12.8 | 50798.08 | 12.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923687 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/04/2024 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.144% |  | 7.750% | 7.750% | $2189.53 | No | $8034.84 | $669.57 | $2388.96 | $199.08 | $0.00 | $0.00 | $0.00 | $3058.18 | $7900.00 | N/A | XXXX |  | $0.00 | XXXX |  | 32.46% | 32.81% | 32.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 48716.89 | 15.9 | 48716.89 | 15.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1939844 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/12/2024 | 6.780% | Manual Underwriting | Manual Underwriting | No | 9.875% |  | 9.500% | 9.500% | $3254.03 | No | $5287.32 | $440.61 | $903.96 | $75.33 | $2664.00 | $222.00 | $0.00 | $3991.97 | $12616.40 | N/A | XXXX | FL | $222.00 | XXXX | Monthly | 46.62% | 46.62% | 46.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45539.45 | 11.4 | 45539.45 | 11.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923694 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/31/2024 | 6.590% | Manual Underwriting | Manual Underwriting | No | 8.208% |  | 7.875% | 7.875% | $4553.44 | No | $4974.84 | $414.57 | $743.04 | $61.92 | $1380.00 | $115.00 | $0.00 | $5144.93 | $14748.13 | N/A | XXXX | NV | $115.00 | XXXX | Monthly | 27.55% | 27.55% | 27.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | XXXX | XXXX | 1 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21001.47 | 4.1 | 21001.47 | 4.1 | No | 78.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1952350 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/18/2024 | 6.360% | Manual Underwriting | Manual Underwriting | No | 6.192% |  | 6.000% | 6.000% | $11091.68 | No | $28547.76 | $2378.98 | $5676.96 | $473.08 | $1152.00 | $96.00 | $0.00 | $14039.74 | $14390.64 | N/A | XXXX | CA | $96.00 | XXXX | Monthly | 47.02% | 49.58% | 49.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 122487.35 | 8.7 | 122487.35 | 8.7 | No | 68.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923692 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/20/2024 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.834% |  | 8.500% | 8.500% | $7612.24 | No | $7753.92 | $646.16 | $4567.80 | $380.65 | $0.00 | $0.00 | $0.00 | $8639.05 | $37704.63 | N/A | XXXX |  | $0.00 | XXXX |  | 29.32% | 29.32% | 29.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 130521.01 | 15.1 | 130521.01 | 15.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923696 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/08/2024 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.415% |  | 7.875% | 7.875% | $1015.10 | No | $2037.60 | $169.80 | $594.00 | $49.50 | $5076.00 | $423.00 | $0.00 | $1657.40 | $4934.16 | Yes | XXXX | MA | $423.00 | XXXX | Monthly | 34.66% | 30.39% | 30.39% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement - Award Letter Verified - 2024 - 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2022, 2023 | Borrower - 2024 - 2024 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2022, 2023 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | MA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29514.89 | 17.8 | 29514.89 | 17.8 | No | 47.14 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1923698 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/08/2024 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.717% |  | 6.375% | 6.375% | $6032.57 | No | $18453.00 | $1537.75 | $2705.04 | $225.42 | $0.00 | $0.00 | $0.00 | $7795.74 | $13679.54 | N/A | XXXX |  | $0.00 | XXXX |  | 39.29% | 37.57% | 37.57% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 66.99% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | MA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 99465.17 | 12.8 | 99465.17 | 12.8 | No | 58.78 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1923691 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/13/2024 | 6.780% | Manual Underwriting | Manual Underwriting | No | 9.098% |  | 8.875% | 8.875% | $1993.09 | No | $3793.44 | $316.12 | $4443.00 | $370.25 | $0.00 | $0.00 | $0.00 | $2679.46 | $13856.96 | N/A | XXXX |  | $0.00 | XXXX |  | 32.01% | 32.01% | 32.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX |  | 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 |  | TX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 99072.86 | 37 | No | 69.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1923688 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/15/2024 | 6.780% | Manual Underwriting | Manual Underwriting | No | 9.944% |  | 9.500% | 9.500% | $2874.96 | No | $2825.04 | $235.42 | $1710.96 | $142.58 | $540.00 | $45.00 | $0.00 | $3297.96 | $6952.60 | N/A | XXXX | TN | $45.00 | XXXX | Monthly | 38.47% | 37.35% | 37.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12694.22 | 3.9 | 12694.22 | 3.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1939517 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/11/2024 | 6.780% | Manual Underwriting | Manual Underwriting | No | 9.494% |  | 9.250% | 9.250% | $14160.30 | No | $7149.72 | $595.81 | $3535.56 | $294.63 | $750.00 | $62.50 | $0.00 | $15113.24 | $60270.39 | N/A | XXXX | AZ | $62.50 | XXXX | Annually | 26.19% | 26.19% | 26.19% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2022, 2023, 2024 \|\| Co Borrower - N/A | Borrower - 2022, 2023, 2024 \|\| Co Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | AZ | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 181545.76 | 12 | 181545.76 | 12 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1939846 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/20/2024 | 6.830% | Manual Underwriting | Manual Underwriting | No | 9.644% |  | 9.375% | 9.375% | $6175.74 | No | $9874.08 | $822.84 | $9696.00 | $808.00 | $2055.96 | $171.33 | $0.00 | $7977.91 | $17299.44 | N/A | XXXX | TX | $171.33 | XXXX | Annually | 42.34% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 24 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | TX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 74843.40 | 9.4 | 74843.40 | 9.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1959617 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/05/2024 | 6.760% | Manual Underwriting | Manual Underwriting | No | 7.195% |  | 6.375% | 6.375% | $754.88 | No | $1801.80 | $150.15 | $2672.64 | $222.72 | $440.04 | $36.67 | $0.00 | $1164.42 | $1301.12 | N/A | XXXX | FL | $36.67 | XXXX | Annually | 49.96% | 49.96% | 49.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 21 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 42215.88 | 36.3 | No | 33.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1988128 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/03/2025 | 6.900% | Manual Underwriting | Manual Underwriting | No | 7.563% |  | 7.125% | 7.125% | $4580.71 | No | $2219.28 | $184.94 | $1704.00 | $142.00 | $0.00 | $0.00 | $0.00 | $4907.65 | $13403.03 | N/A | XXXX |  | $0.00 | XXXX |  | 35.44% | 35.39% | 35.39% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 78.05% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Retirement, SSI and Disability - Award Letter Verified | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | AZ | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34458.47 | 7 | 34458.47 | 7 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1973087 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/08/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 9.132% |  | 8.875% | 8.875% | $5682.10 | No | $1931.04 | $160.92 | $2969.04 | $247.42 | $0.00 | $0.00 | $0.00 | $6090.44 | $12513.01 | N/A | XXXX |  | $0.00 | XXXX |  | 43.89% | 43.48% | 43.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 24 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | TN | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 139280.77 | 22.9 | 139280.77 | 22.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1979033 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/06/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.692% |  | 8.375% | 8.375% | $6384.61 | No | $10269.12 | $855.76 | $3813.00 | $317.75 | $0.00 | $0.00 | $0.00 | $7558.12 | $8079.71 | N/A | XXXX |  | $0.00 | XXXX |  | 49.90% | 49.90% | 49.90% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2023 - 2023 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023 - 2023 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | MA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 95552.38 | 12.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1979032 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/22/2025 | 7.070% | Manual Underwriting | Manual Underwriting | No | 8.945% |  | 8.625% | 8.625% | $3920.06 | No | $4463.88 | $371.99 | $3766.44 | $313.87 | $159.96 | $13.33 | $0.00 | $4619.25 | $15378.39 | N/A | XXXX | FL | $13.33 | XXXX | Annually | 38.65% | 38.49% | 38.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | TN | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 94338.13 | 20.4 | 94338.13 | 20.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007423 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $6587.79 | No | $8392.32 | $699.36 | $8889.84 | $740.82 | $0.00 | $0.00 | $0.00 | $8027.97 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.981 | 1.981 | N/A | Borrower | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | CO | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 528411.67 | 65.8 | 528411.67 | 65.8 | No | 85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 1995589 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2317.59 | No | $7965.00 | $663.75 | $1313.04 | $109.42 | $0.00 | $0.00 | $0.00 | $3090.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 374543.49 | 121.2 | 374543.49 | 121.2 | No | 64.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1995587 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $9498.02 | No | $23610.84 | $1967.57 | $10372.08 | $864.34 | $1872.00 | $156.00 | $0.00 | $12485.93 |  | N/A | XXXX | SC | $156.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | SC | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 788011.56 | 63.1 | 788011.56 | 63.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 1995599 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $2073.79 | No | $5137.44 | $428.12 | $2209.92 | $184.16 | $1389.96 | $115.83 | $0.00 | $2801.90 |  | N/A | XXXX | TX | $115.83 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.812 | 0.812 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | NY | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12014.13 | 4.3 | 12014.13 | 4.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 1995588 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $2066.67 | No | $1868.40 | $155.70 | $986.04 | $82.17 | $1116.00 | $93.00 | $0.00 | $2397.54 |  | N/A | XXXX | AZ | $93.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | AZ | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57357.17 | 23.9 | 57357.17 | 23.9 | No | 74.7 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007428 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $5699.55 | No | $5784.00 | $482.00 | $2838.96 | $236.58 | $0.00 | $0.00 | $0.00 | $6418.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.253 | 1.253 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | FL | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 722898.85 | 112.6 | 722898.85 | 112.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 1996200 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/17/2025 | 6.980% | Manual Underwriting | Manual Underwriting | No | 7.476% |  | 7.375% | 7.375% | $6216.08 | No | $20000.04 | $1666.67 | $4185.96 | $348.83 | $0.00 | $0.00 | $0.00 | $8231.58 | $36623.05 | N/A | XXXX |  | $0.00 | XXXX |  | 23.88% | 23.95% | 23.95% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 939831.31 | 114.2 | 939831.31 | 114.2 | No | 57.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 1996199 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.437% |  | 7.375% | 7.375% | $15194.85 | No | $7042.08 | $586.84 | $2555.04 | $212.92 | $0.00 | $0.00 | $0.00 | $15994.61 | $71192.21 | N/A | XXXX |  | $0.00 | XXXX |  | 27.74% | 27.68% | 27.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  |  | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 836939.53 | 52.3 | 836939.53 | 52.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007424 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/13/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.828% |  | 7.625% | 7.625% | $6858.52 | No | $10715.16 | $892.93 | $9528.96 | $794.08 | $0.00 | $0.00 | $0.00 | $8545.53 | $52505.77 | N/A | XXXX |  | $0.00 | XXXX |  | 37.21% | 37.21% | 37.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | CO | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 171297.72 | 20.1 | 171297.72 | 20.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007435 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $5990.63 | No | $9916.08 | $826.34 | $1192.20 | $99.35 | $0.00 | $0.00 | $0.00 | $6916.32 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.084 | 1.084 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 220434.16 | 31.9 | 220434.16 | 31.9 | No | 56.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2000685 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/14/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.354% |  | 7.000% | 7.000% | $2900.72 | No | $6061.68 | $505.14 | $1636.80 | $136.40 | $0.00 | $0.00 | $0.00 | $3542.26 | $13816.21 | N/A | XXXX |  | $0.00 | XXXX |  | 33.26% | 31.56% | 31.56% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - N/A | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | PA | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | PA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19610.47 | 5.5 | 19610.47 | 5.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2000688 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1637.22 | No | $3223.08 | $268.59 | $1315.44 | $109.62 | $0.00 | $0.00 | $0.00 | $2015.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.141 | 1.141 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | TX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51362.15 | 25.5 | 277212.83 | 137.6 | No | 59.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2000686 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $1534.50 | No | $4849.68 | $404.14 | $612.00 | $51.00 | $0.00 | $0.00 | $0.00 | $1989.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.181 | 1.181 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 861254.37 | 432.9 | 861254.37 | 432.9 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2000691 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $3026.99 | No | $5763.12 | $480.26 | $3498.00 | $291.50 | $0.00 | $0.00 | $0.00 | $3798.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | RI | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67033.31 | 17.7 | 67033.31 | 17.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2000692 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/05/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.832% |  | 6.750% | 6.750% | $9566.82 | No | $12126.36 | $1010.53 | $5301.00 | $441.75 | $0.00 | $0.00 | $0.00 | $11019.10 | $23531.66 | N/A | XXXX |  | $0.00 | XXXX |  | 32.75% | 32.71% | 32.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | NC | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 986992.62 | 89.6 | No | 50.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2000684 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1591.17 | No | $3614.04 | $301.17 | $1459.92 | $121.66 | $0.00 | $0.00 | $0.00 | $2014.00 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.04 | 1.04 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 234692.92 | 116.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2000689 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $5265.32 | No | $8903.88 | $741.99 | $1637.04 | $136.42 | $0.00 | $0.00 | $0.00 | $6143.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.549 | 1.549 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 115828.26 | 18.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2007417 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $6906.75 | No | $3975.24 | $331.27 | $1701.96 | $141.83 | $0.00 | $0.00 | $0.00 | $7379.85 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.355 | 1.355 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 307984.19 | 41.7 | 307984.19 | 41.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXXX |  | 2007415 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.761% |  | 6.375% | 6.375% | $2495.48 | No | $6249.96 | $520.83 | $791.04 | $65.92 | $6360.00 | $530.00 | $0.00 | $3612.23 | $3616.38 | N/A | XXXX | CA | $530.00 | XXXX | Monthly | 96.12% | 49.97% | 49.97% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Retirement Income Doc Verified | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 3 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Other - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2024, 2023, 2025 \|\| Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2022, 2023, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2024, 2023, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2022, 2023, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | TN | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | TN | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 219113.37 | 60.7 | 219113.37 | 60.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2007426 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.861% |  | 6.625% | 6.625% | $12806.21 | No | $6646.08 | $553.84 | $7875.00 | $656.25 | $4860.00 | $405.00 | $0.00 | $14421.30 | $48370.89 | N/A | XXXX | AZ | $405.00 | XXXX | Monthly | 0.00% | 35.06% | 35.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | OR | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 132985.02 | 9.2 | 132985.02 | 9.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007433 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/05/2025 | 6.070% | Manual Underwriting | Manual Underwriting | No | 7.060% |  | 6.625% | 6.625% | $4082.67 | No | $7749.96 | $645.83 | $3930.96 | $327.58 | $2256.00 | $188.00 | $0.00 | $5244.08 | $8405.67 | N/A | XXXX | CA | $188.00 | XXXX | Monthly | 45.07% | 44.94% | 44.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 162269.91 | 30.9 | 38269.91 | 7.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007434 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/03/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.071% |  | 6.875% | 6.875% | $3202.53 | No | $3993.84 | $332.82 | $2192.04 | $182.67 | $0.00 | $0.00 | $0.00 | $3718.02 | $18432.51 | N/A | XXXX |  | $0.00 | XXXX |  | 19.42% | 19.18% | 19.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | AZ | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36731.25 | 9.9 | 36731.25 | 9.9 | No | 50.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007421 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1314.89 | No | $8764.80 | $730.40 | $938.04 | $78.17 | $0.00 | $0.00 | $0.00 | $2123.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.107 | 1.106 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | IL | United States | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 69569.44 | 32.8 | 69569.44 | 32.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXXX |  | 2007420 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/26/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.052% |  | 6.875% | 6.875% | $5452.51 | No | $29201.88 | $2433.49 | $1926.84 | $160.57 | $0.00 | $0.00 | $0.00 | $8046.57 | $14715.36 | N/A | XXXX |  | $0.00 | XXXX |  | 43.83% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 71.30% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 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 |  | TX | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 240708.61 | 29.9 | No | 48.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXXX |  | 2007430 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.010% |  | 6.875% | 6.875% | $8432.35 | No | $30440.04 | $2536.67 | $4374.96 | $364.58 | $0.00 | $0.00 | $0.00 | $11333.60 | $26887.42 | N/A | XXXX |  | $0.00 | XXXX |  | 39.93% | 39.74% | 39.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68184.14 | 6 | 68184.14 | 6 | No | 73.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

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## Exhibit 99.58

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.58**

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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | XXXX |  | 2007423 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 15900 | Appraisal - 1007 | 15900 | Other | 12 |  | 15900 | Appraisal - 1007 | No | 50.49 | 1.981 | 1.981 | 8027.97 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  | XXXX |  | 15900 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 65.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 1995589 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 99.7 | 1.003 | 1.003 | 3090.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  | XXXX |  | 3100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 121.18 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | XXXX |  | 1995587 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 12500 | Appraisal - 1007 |  | N/A |  |  | 12500 | Appraisal - 1007 | No | 99.89 | 1.02 | 1.001 | 12485.93 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 175600 |  | XXXX |  | 12500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 63.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 1995599 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2275 | Appraisal - 1007 |  | N/A |  |  | 2275 | Appraisal - 1007 | No | 123.16 | 0.812 | 0.812 | 2801.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27300 |  | XXXX |  | 2275 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 4.29 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX |
| XXXX | XXXX |  | 1995588 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 99.9 | 1.001 | 1.001 | 2397.54 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43700 |  | XXXX |  | 2400 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 23.92 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX |
| XXXX | XXXX |  | 2007428 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1007 | 8039.23 | Airbnb | 12 |  | 8039.23 | Airbnb | Yes | 79.84 | 1.253 | 1.253 | 6418.13 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 61820 |  | XXXX |  | 8039.23 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 112.63 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 2007435 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7500 | 6900 | Appraisal - 1007 |  | N/A |  |  | 7500 | Actual In Place Rent | No | 92.22 | 1.084 | 1.084 | 6916.32 | 7500 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 176000 |  | XXXX |  | 7500 |  |  |  |  |  |  | No | No | 5.2 | 1 | 1 | N/A | 31.87 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX |
| XXXX | XXXX |  | 2000688 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 87.63 | 1.141 | 1.141 | 2015.43 | 2500 | 09-01-2025 | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13800 |  | XXXX |  | 2300 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 137.55 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX |
| XXXX | XXXX |  | 2000686 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2350 | Appraisal - 1007 |  | N/A |  |  | 2350 | Appraisal - 1007 | No | 84.67 | 1.181 | 1.181 | 1989.64 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31300 |  | XXXX |  | 2350 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 432.87 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | XXXX |  | 2000691 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 3800 | Appraisal - 1025 |  | N/A |  |  | 3800 | Appraisal - 1025 | No | 99.97 | 1 | 1 | 3798.75 | 1475 | 04-01-2025 | 1 | 0 | 04-30-2025 | 1 | 1025 | 04-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  | XXXX |  | 3800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 17.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 2000684 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2095 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2095 | Actual In Place Rent | No | 96.13 | 1.04 | 1.04 | 2014 | 2095 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | XXXX |  | 2095 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 116.53 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 2000689 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4150 | Appraisal - 1007 | 9815.15 | Airbnb | 24 |  | 9815.15 | Airbnb | Yes | 64.54 | 1.549 | 1.549 | 6143.73 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  | XXXX |  | 9815.15 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 18.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 2007417 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 10000 | Appraisal - 1007 |  | N/A |  |  | 10000 | Appraisal - 1007 | No | 73.8 | 1.355 | 1.355 | 7379.85 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  | XXXX |  | 10000 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 41.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX |  | 2007421 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2350 | Appraisal - 1007 |  | N/A |  |  | 2350 | Appraisal - 1007 | No | 90.36 | 1.106 | 1.107 | 2123.46 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28200 |  | XXXX |  | 2350 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 32.76 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX |

---

## Exhibit 99.59

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.59**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 1722484 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1722484 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 7.3 | 29.68 | XXXX |
| XXXX |  | 1722484 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.28 | 50.36 | XXXX |
| XXXX |  | 1944831 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 1923710 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1901191 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1901191 | XXXX | Originator Doc Type | employmentIncomePage | Full Doc | ALT DOC | XXXX |
| XXXX |  | 1901200 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1901757 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 1939515 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 1901764 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1939842 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1901761 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1901755 | XXXX | Qualifying FICO | creditLiabilitiesPage | 668 | 665 | XXXX |
| XXXX |  | 1901755 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1901743 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.17 | 45.38 | XXXX |
| XXXX |  | 1923715 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1923690 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 1923690 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1923687 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 1939844 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1923692 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1923696 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.39 | 34.66 | XXXX |
| XXXX |  | 1923698 | XXXX | Qualifying FICO | creditLiabilitiesPage | 810 | 765 | XXXX |
| XXXX |  | 1923691 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1923688 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1923688 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.35 | 38.47 | XXXX |
| XXXX |  | 1939517 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1939846 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 1959617 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| XXXX |  | 1988128 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 1973087 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | XXXX |
| XXXX |  | 1979032 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| XXXX |  | 1979032 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | XXXX |
| XXXX |  | 2007423 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 1995589 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 1995589 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 1995587 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 1995587 | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| XXXX |  | 1995599 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 1995599 | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| XXXX |  | 1995588 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 1995588 | XXXX | Term | notePage | 360 | 480 | XXXX |
| XXXX |  | 2007428 | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| XXXX |  | 2007424 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 2007424 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.21 | 41.40 | XXXX |
| XXXX |  | 2007435 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 2000688 | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| XXXX |  | 2000686 | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| XXXX |  | 2000691 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 2000684 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 2000689 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 2007417 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 2007433 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | XXXX |
| XXXX |  | 2007433 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | XXXX |
| XXXX |  | 2007434 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |
| XXXX |  | 2007421 | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| XXXX |  | 2007420 | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX |

---

## Exhibit 99.60

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.60**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | XXXX | 1643193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 655 | 638 | 655 | 665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 34.96 | 48.61 | 6545.17 | .00 | .00 | .00 | 6545.17 | Employed |  |  |  | 15.66 |  |  |  | 2 YRS | 5651.83 | 3181.34 | Yes | 26.69 | 61080.7 | XXXX | XXXX | 55.1 | 55.1 | 55.1 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1911.04 | 1911.04 | 377.3 | 2288.34 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 74922.98 | 12432.5 | 1 | 13680 | 124 | 14 | 0.6696588868940754 | 0.5 | No | N/A | Manual Underwriting | 7725.31 | 8.115 | Yes | No | XXXX | XXXX |  |
|  | XXXX | 1722484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 626 | 650 | 626 | 615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 7.3 | 18.28 | 40631.56 | .00 | .00 | .00 | 40631.56 | Employed |  |  |  | 25.5 |  |  |  | NA | 30253.9 | 7428.17 | Taxes and Insurance | 38.23 | 113436.63 | XXXX | XXXX | 64.32 | 64.32 | 64.32 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.75 | 9.75 | 2586.05 | 2586.05 | 381.43 | 2967.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 113436.63 | 7510 | 2 | 38460 | 199 | 9 | 0.6018808777429467 | 14 | No | N/A | Manual Underwriting | 8746.08 | 10.055 | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1944830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 639 | 625 | 640 | 639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.51 | 43.75 | 14610.48 | .00 | .00 | .00 | 14610.48 | Employed |  |  |  | 4.59 |  |  |  | NA | 8217.93 | 6392.55 | Taxes and Insurance | 22.79 | 104894.4 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.999 | 9.999 | 3790.79 | 3790.79 | 554.77 | 4603.55 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 1 | 70516 | 54 | 12 | 0.23169354838709677 | 2.5 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1944831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 641 | 649 | 641 | 631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 44.01 | 49.27 | 12135.03 | .00 | .00 | .00 | 12135.03 | Employed |  |  |  | 4.61 |  |  |  | NA | 6155.51 | 5979.52 | Taxes and Insurance | 17.17 | 91719.13 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.999 | 9.999 | 3896.09 | 3896.09 | 1444.8 | 5340.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 1 | 29239 | 43 | 3 | 0.050222222222222224 | 2.41 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1891929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 686 | 686 | 720 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 13.6 | 37.04 | 35000.00 | .00 | .00 | .00 | 35000.00 | Employed |  |  |  | 4.61 |  |  |  | NA | 22034.87 | 12965.13 | Taxes and Insurance | 21.84 | 103936.25 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.25 | 9.25 | 3586.86 | 3586.86 | 1030.75 | 4759.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 103936.25 | 14680 | 1 | 123791 | 307 | 41 | 0.418428012502459 | 8 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1923710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 622 | 647 | 622 | 619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 38.53 | 49.49 | 4962.67 | .00 | .00 | .00 | 4962.67 | Employed |  |  |  | 10.33 |  |  |  | 3 YRS | 2506.65 | 2456.02 | Taxes and Insurance | 97.11 | 185685.46 | XXXX | XXXX | 68.26 | 68.26 | 68.26 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 1591.29 | 1591.29 | 320.73 | 1912.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 189293.32 | 5645 | 1 | 22300 | 250 | 8 | 0.4813871635610766 | 1.5 | No | G0739349 | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1901191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 694 | 679 | 694 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 16.73 | 30.85 | 40772.34 | .00 | .00 | .00 | 40772.34 | Employed |  |  |  | 6.45 |  |  |  | 3 YRS | 28196.03 | 12576.31 | Taxes and Insurance | 83.34 | 568508.64 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.125 | 8.125 | 5642.98 | 5642.98 | 1178.6 | 6821.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 714487.64 | 17345 | 3 | 145979 | 197 | 8 | 0.33994197292069633 | 10 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1901200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 669 | 672 | 669 | 649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 35.52 | 46.47 | 25111.12 | .00 | .00 | .00 | 25111.12 | Employed |  |  |  | 21.85 |  |  |  | 3 YRS | 13441.22 | 11669.9 | Taxes and Insurance | 20.45 | 182437.48 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.25 | 8.25 | 7324.85 | 7324.85 | 1595.01 | 8919.86 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 19100.25 | 3 | 45104 | 391 | 8 | 0.03289115646258503 | 2 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1901757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 676 | 655 | 676 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 26.33 | 44.02 | 23940.77 | .00 | .00 | .00 | 23940.77 | Employed |  |  |  | 28.99 |  |  |  | NA | 13402.11 | 10538.66 | Taxes and Insurance | 49.96 | 314854 | XXXX | XXXX | 58.67 | 58.67 | 58.67 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.115 | 8.115 | 4895.86 | 4895.86 | 1406.8 | 6302.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 315585 | 20295 | 1 | 71400 | 442 | 18 | 0.8606679841897233 | 30 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1939515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 787 | 765 | 790 | 787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.27 | 49.07 | 8568.00 | .00 | .00 | .00 | 8568.00 | Employed |  |  |  | 4.84 |  |  |  | NA | 4363.8 | 4204.2 | Taxes and Insurance | 10.32 | 25869.31 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 1925.03 | 1925.03 | 574.43 | 2507.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8951.25 | 2 | 12500 | 566 | 7 | 0.18759795570698468 | 0.08 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1901764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 740 | 752 | 714 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.56 | 32.61 | 20184.35 | .00 | .00 | .00 | 20184.35 | Employed |  |  |  | 2.63 |  |  |  | NA | 13602.9 | 6581.45 | Taxes and Insurance | 12.96 | 77335.52 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 5017.16 | 5017.16 | 950.29 | 5967.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 15195 | 1 | 17061.19 | 160 | 11 | 0.07301333333333333 | 13 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1939842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 799 | 803 | 782 | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 796 | 790 | 806 | 796 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 39.76 | 48.73 | 13107.07 | 7000.00 | .00 | .00 | 20107.07 | Employed | Employed |  |  | 4.72 | 1.79 |  |  | NA | 10309.3 | 9797.77 | Taxes and Insurance | 11.11 | 88830.64 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 6807.6 | 6807.6 | 1186.02 | 7993.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 20645 | 1 | 39015 | 174 | 19 | 0.03807443365695793 | 5 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1901758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 807 | 807 | 818 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 31.64 | 33.82 | 22500.00 | .00 | .00 | .00 | 22500.00 | Employed |  |  |  | 36.87 |  |  |  | NA | 14890.84 | 7609.16 | Taxes and Insurance | 16.75 | 119247.96 | XXXX | XXXX | 74.99 | 74.99 | 74.99 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 5848 | 5848 | 1270.16 | 7118.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 9878.34 | 1 | 35000 | 410 | 3 | 0.03517021276595745 | 1.5 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1901761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 683 | 691 | 683 | 669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 35.5 | 41.19 | 13762.98 | .00 | .00 | .00 | 13762.98 | Employed |  |  |  | 4.08 |  |  |  | NA | 8093.9 | 5669.08 | Taxes and Insurance | 6.05 | 29561.77 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.5 | 9.5 | 4406.08 | 4406.08 | 480 | 4886.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 29561.77 | 12125 | 1 | 32500 | 205 | 9 | 0.05689903846153846 | 2.25 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1901755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 668 | 668 | 679 | 665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.48 | 37.08 | 14845.44 | .00 | .00 | .00 | 14845.44 | Employed |  |  |  | 7.88 |  |  |  | NA | 9340.49 | 5504.95 | Taxes and Insurance | 15.46 | 44727.54 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9 | 9 | 2285.13 | 2285.13 | 569.99 | 2892.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 10766.08 | 1 | 232586 | 221 | 20 | 0.10853333333333333 | 4 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1901743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 770 | 770 | 767 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 788 | 788 | 791 | 787 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 44.67 | 45.17 | 22048.21 | 10783.34 | .00 | .00 | 32831.55 | Employed | Employed |  |  | 9.88 | 5.02 |  |  | 3 YRS | 18002.95 | 14828.6 | Taxes and Insurance | 10.56 | 154803.15 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 12422.59 | 12422.59 | 2242.01 | 14664.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 22145 | 1 | 27700 | 260 | 8 | 0.03308308308308308 | 4.17 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1923715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 675 | 677 | 672 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 27.78 | 44.57 | 7700.00 | .00 | .00 | .00 | 7700.00 | Employed |  |  |  | 24.89 |  |  |  | NA | 4267.99 | 3432.01 | Taxes and Insurance | 49.25 | 105339.83 | XXXX | XXXX | 46.24 | 46.24 | 46.24 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1521.76 | 1521.76 | 617.25 | 2139.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 105339.83 | 7895 | 1 | 18409 | 107 | 15 | 0.45975132511021943 | 6.42 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1923690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 753 | 753 | 778 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.37 | 37.8 | 12297.34 | .00 | .00 | .00 | 12297.34 | Employed |  |  |  | 1.85 |  |  |  | NA | 7648.78 | 4648.56 | Taxes and Insurance | 12.76 | 50798.08 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 3362 | 3362 | 618.56 | 3980.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8451 | 1 | 28546 | 79 | 4 | 0.1110239651416122 | 1.91 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1923687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 707 | 649 | 711 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.01 | 32.81 | 11758.27 | .00 | .00 | .00 | 11758.27 | Employed |  |  |  | 13.9 |  |  |  | NA | 7900 | 3858.27 | Taxes and Insurance | 15.93 | 48716.89 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 2189.53 | 2189.53 | 868.65 | 3058.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8257.5 | 1 | 30500 | 243 | 2 | 0.12894444444444444 | 9.16 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1939844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 772 | 772 | 750 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.89 | 46.62 | 23637.28 | .00 | .00 | .00 | 23637.28 | Employed |  |  |  | 10.81 |  |  |  | NA | 12616.4 | 11020.88 | Taxes and Insurance | 11.41 | 45539.45 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.5 | 9.5 | 3254.03 | 3254.03 | 515.94 | 3991.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 10852.3 | 3 | 53100 | 179 | 8 | 0.30747800586510265 | 3.16 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1923694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 680 | 638 | 680 | 691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 653 | 666 | 634 | 653 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Rate and Term | 25.28 | 27.55 | 12870.00 | 7485.06 | .00 | .00 | 20355.06 | Employed | Employed |  |  | 2.02 | 2.92 |  |  | 3 YRS | 14748.13 | 5606.93 | Taxes and Insurance | 4.08 | 21001.47 | XXXX | XXXX | 78.5 | 78.5 | 78.5 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 4553.44 | 4553.44 | 476.49 | 5144.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 7243.21 | 17845 | 1 | 12196 | 231 | 3 | 0.24114942528735633 | 0.08 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1952350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 798 | 798 | 812 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 49.19 | 49.58 | 28543.38 | .00 | .00 | .00 | 28543.38 | Employed |  |  |  | 14.88 |  |  |  | NA | 14390.64 | 14152.74 | Taxes and Insurance | 8.72 | 122487.35 | XXXX | XXXX | 68.52 | 68.52 | 68.52 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6 | 6 | 11091.68 | 11091.68 | 2852.06 | 14039.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 4872.31 | 31357.5 | 1 | 16000 | 231 | 2 | 0.6489714285714285 | 1 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1923692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 758 | 747 | 781 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.19 | 29.32 | 53349.07 | .00 | .00 | .00 | 53349.07 | Employed |  |  |  | 8.21 |  |  |  | NA | 37704.63 | 15644.44 | Taxes and Insurance | 15.11 | 130521.01 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 7612.24 | 7612.24 | 1026.81 | 8639.05 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 26895 | 3 | 23274 | 176 | 7 | 0.008194945848375452 | 1.41 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1923696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 698 | 725 | 681 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 646 | 653 | 605 | 646 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 23.38 | 30.39 | 2235.23 | 4853.33 | .00 | .00 | 7088.56 | Retired | Employed |  |  |  | 11.32 |  |  | NA | 4934.16 | 2154.4 | Taxes and Insurance | 17.81 | 29514.89 | XXXX | XXXX | 47.14 | 47.14 | 47.14 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 1015.1 | 1015.1 | 219.3 | 1657.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5295 | 2 | 1200 | 303 | 4 | 0.6647222222222222 | 10.92 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1923698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 765 | 735 | 772 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 810 | 810 | 833 | 803 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 35.58 | 37.57 | 7233.64 | 14679.64 | .00 | .00 | 21913.28 | Employed | Employed |  |  | 21.97 | 15.66 |  |  | 3 YRS | 13679.54 | 8233.74 | Taxes and Insurance | 12.76 | 99465.17 | XXXX | XXXX | 58.78 | 58.78 | 58.78 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 6032.57 | 6032.57 | 1763.17 | 7795.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 32362.5 | 2 | 13000 | 213 | 5 | 0.1736604189636163 | 1.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1923691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 677 | 677 | 677 | 699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 13.15 | 32.01 | 20380.42 | .00 | .00 | .00 | 20380.42 | Employed |  |  |  | 27.3 |  |  |  | NA | 13856.96 | 6523.46 | Taxes and Insurance | 36.97 | 99072.86 | XXXX | XXXX | 69.97 | 69.97 | 69.97 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 1993.09 | 1993.09 | 686.37 | 2679.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 99072.86 | 4455 | 1 | 85657 | 337 | 9 | 0.6286075949367088 | 17.25 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1923688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 756 | 761 | 756 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.72 | 37.35 | 11097.56 | .00 | .00 | .00 | 11097.56 | Employed |  |  |  | 4.48 |  |  |  | NA | 6952.6 | 4144.96 | Taxes and Insurance | 3.85 | 12694.22 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.5 | 9.5 | 2874.96 | 2874.96 | 378 | 3297.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 11936.189999999999 | 1 | 21626 | 123 | 4 | 0.3668067226890756 | 0.83 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1939517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 732 | 732 | 708 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 743 | 729 | 743 | 746 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.51 | 26.19 | 81653.50 | .00 | .00 | .00 | 81653.50 | Employed | Not Employed |  |  | 16.12 |  |  |  | NA | 60270.39 | 21383.11 | Taxes and Insurance | 12.01 | 181545.76 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.25 | 9.25 | 14160.3 | 14160.3 | 890.44 | 15113.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 27963.75 | 3 | 20000 | 326 | 4 | 0.026220095693779904 | 2.5 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1939846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 641 | 633 | 654 | 641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.59 | 42.34 | 30000.00 | .00 | .00 | .00 | 30000.00 | Employed |  |  |  | 24.5 |  |  |  | NA | 17299.44 | 12700.56 | Taxes and Insurance | 9.38 | 74843.4 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.375 | 9.375 | 6175.74 | 6175.74 | 1630.84 | 7977.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 13087.5 | 1 | 45762 | 274 | 8 | 0.6373672055427252 | 12.33 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1959617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 750 | 747 | 761 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 44.79 | 49.96 | 2600.00 | .00 | .00 | .00 | 2600.00 | Employed |  |  |  | 1.82 |  |  |  | 3 YRS | 1301.12 | 1298.88 | Taxes and Insurance | 36.25 | 42215.88 | XXXX | XXXX | 33.7 | 33.7 | 33.7 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 754.88 | 754.88 | 372.88 | 1164.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 55819.88 | 6696.25 | 1 | 17600 | 299 | 13 | 0.17650569582479175 | 22 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1988128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 743 | 717 | 783 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 796 | 798 | 796 | 785 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.66 | 35.39 | 16191.00 | 4554.68 | .00 | .00 | 20745.68 | Employed | Not Employed |  |  | 16.93 |  |  |  | NA | 13403.03 | 7342.65 | Taxes and Insurance | 7.02 | 34458.47 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 4580.71 | 4580.71 | 326.93 | 4907.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 27641.510000000002 | 1 | 134785 | 347 | 8 | 0.12726256983240222 | 1.66 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1973087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 726 | 749 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.51 | 43.48 | 22138.26 | .00 | .00 | .00 | 22138.26 | Employed |  |  |  | 10.75 |  |  |  | NA | 12513.01 | 9625.25 | Taxes and Insurance | 22.87 | 139280.77 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 5682.1 | 5682.1 | 408.34 | 6090.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 14195 | 4 | 42300 | 289 | 7 | 0.13739164696611506 | 10.83 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1979033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 708 | 714 | 694 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 683 | 683 | 673 | 695 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 46.86 | 49.9 | 14877.55 | 1250.00 | .00 | .00 | 16127.55 | Employed | Retired |  |  | 7.07 |  |  |  | 3 YRS | 8079.71 | 8047.84 | Taxes and Insurance | 12.64 | 95552.38 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | 6384.61 | 6384.61 | 1173.51 | 7558.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 310451.38 | 23145 | 2 | 48751 | 273 | 14 | 0.39189920671955203 | 10.00 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 1979032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 680 | 680 | 690 | 670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.48 | 38.49 | 25000.00 | .00 | .00 | .00 | 25000.00 | Employed |  |  |  | 3.13 |  |  |  | NA | 15378.39 | 9621.61 | Taxes and Insurance | 20.42 | 94338.13 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 3920.06 | 3920.06 | 685.87 | 4619.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 13220 | 1 | 127348 | 195 | 26 | 0.16474038098074478 | 4.00 | No | N/A | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | XXXX | 2007423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 772 | 785 | 771 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 2022 | Taxes and Insurance | 65.82 | 528411.67 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 6587.79 | 6587.79 | 1440.18 | 8027.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7500 | 3 | 30000 | 233 | 13 | 0.0016833583326237465 | 0.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 1995589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 763 | 761 | 779 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 20972 | Taxes and Insurance | 121.18 | 374543.49 | XXXX | XXXX | 64.91 | 64.91 | 64.91 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 2317.59 | 2317.59 | 773.17 | 3090.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 1720 | 10 | 44700 | 347 | 9 | 0.09355321020228671 | 0.67 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 1995587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 734 | 791 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14318 | Taxes | 63.11 | 788011.56 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.125 | 8.125 | 9498.02 | 9498.02 | 1967.57 | 12485.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 25000 | 4 | 60000 | 464 | 6 | 0.32614528412419447 | 0.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 1995599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 681 | 665 | 681 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8597.8 | Taxes and Insurance | 4.29 | 12014.13 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.125 | 8.125 | 2073.79 | 2073.79 | 612.29 | 2801.9 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5750.79 | 3 | 91166 | 198 | 11 | 0.2164880568108457 | 9.58 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 1995588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 715 | 696 | 715 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2502.67 | Taxes and Insurance | 23.92 | 57357.17 | XXXX | XXXX | 74.7 | 74.7 | 74.7 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 2066.67 | 2066.67 | 237.87 | 2397.54 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3100 | 3 | 7338 | 237 | 8 | 0.27530364372469635 | 9 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2007428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 0 | 800 | 813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5543 | Taxes and Insurance | 112.63 | 722898.85 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 5699.55 | 5699.55 | 718.58 | 6418.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 17352.1 | 2 | 50000 | 337 | 9 | 0.01866064092029581 | 0.50 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 1996200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 809 | 809 | 810 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 787 | 791 | 787 | 774 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.09 | 23.95 | 48154.26 | .00 | .00 | .00 | 48154.26 | Employed | Not Employed |  |  | 5.16 | 12.35 |  |  | NA | 36623.05 | 11531.21 | Taxes and Insurance | 114.17 | 939831.31 | XXXX | XXXX | 57.69 | 57.69 | 57.69 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 6216.08 | 6216.08 | 2015.44 | 8231.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 4395 | 2 | 50000 | 321 | 4 | 0.15519348894348894 | 11.92 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 1996199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 728 | 734 | 728 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.25 | 27.68 | 98447.17 | .00 | .00 | .00 | 98447.17 | Employed |  |  |  | 5.86 |  |  |  | NA | 71192.21 | 27254.96 | Taxes and Insurance | 52.33 | 836939.53 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 15194.85 | 15194.85 | 799.76 | 15994.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2145 | 3 | 31517 | 69 | 3 | 0.22276923076923077 | 0.75 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 772 | 785 | 771 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 10.22 | 37.21 | 83627.00 | .00 | .00 | .00 | 83627.00 | Employed |  |  |  | 6.2 |  |  |  | NA | 52505.77 | 31121.23 | Taxes and Insurance | 20.05 | 171297.72 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 6858.52 | 6858.52 | 1687.01 | 8545.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 14194 | 6 | 24200 | 232 | 14 | 0.5626913007621588 | 0.25 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 707 | 707 | 729 | 699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1930 | Taxes and Insurance | 31.87 | 220434.16 | XXXX | XXXX | 56.89 | 56.89 | 56.89 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 5990.63 | 5990.63 | 925.69 | 6916.32 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 11.29 | 10845 | 2 | 500000 | 385 | 5 | 0.0005906093119401516 | 29 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2000685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 806 | 808 | 799 | 806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 810 | 810 | 812 | 808 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.55 | 31.56 | 20187.06 | .00 | .00 | .00 | 20187.06 | Employed | Not Employed |  |  | 7.96 |  |  |  | NA | 13816.21 | 6370.85 | Taxes and Insurance | 5.54 | 19610.47 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | 2900.72 | 2900.72 | 641.54 | 3542.26 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145 | 2 | 38500 | 206 | 1 | 0.06828502415458937 | 1.75 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2000688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 728 | 767 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 40299 | Taxes and Insurance | 137.55 | 277212.83 | XXXX | XXXX | 59.78 | 59.78 | 59.78 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1637.22 | 1637.22 | 378.21 | 2015.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 225850.68 | 4500 | 3 | 99044 | 290 | 16 | 0.008545041286647294 | 2.5 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2000686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 805 | 807 | 787 | 805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 237 | No Escrow | 432.87 | 861254.37 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 1534.5 | 1534.5 | 0 | 1989.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6069.38 | 1 | 39900 | 315 | 9 | 0.10265372168284789 | 9.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2000691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 684 | 680 | 684 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | RI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1583 | Taxes and Insurance | 17.65 | 67033.31 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.375 | 8.375 | 3026.99 | 3026.99 | 771.76 | 3798.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9956.26 | 2 | 6000 | 133 | 3 | 0.006518987341772152 | 11.08 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2000692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 792 | 768 | 796 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 31.51 | 32.71 | 34968.76 | .00 | .00 | .00 | 34968.76 | Employed |  |  |  | 4.16 |  |  |  | NA | 23531.66 | 11437.1 | Taxes and Insurance | 89.57 | 986992.62 | XXXX | XXXX | 50.86 | 50.86 | 50.86 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 9566.82 | 9566.82 | 1452.28 | 11019.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 986992.62 | 7695 | 1 | 40000 | 356 | 7 | 0.019687242798353908 | 9 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2000684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 766 | 770 | 766 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2110 | Taxes and Insurance | 116.53 | 234692.92 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1591.17 | 1591.17 | 422.83 | 2014 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 234692.92 | 6920.73 | 30 | 36900 | 223 | 6 | 0.023156189241736878 | 5 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2000689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 767 | 767 | 740 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17575 | No Escrow | 18.85 | 115828.26 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 5265.32 | 5265.32 | 0 | 6143.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 115828.26 | 5861.48 | 6 | 66600 | 410 | 4 | 0.2333442354865086 | 11 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2007417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 778 | 806 | 778 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 19176.85 | Taxes and Insurance | 41.73 | 307984.19 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 6906.75 | 6906.75 | 473.1 | 7379.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 10842.43 | 15000 | 3 | 65537 | 149 | 3 | 0 | 0.75 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2007415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 796 | 787 | 804 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 807 | 801 | 826 | 807 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 49.97 | 49.97 | 4947.20 | 2281.41 | .00 | .00 | 7228.61 | Not Employed | Not Employed |  |  |  |  |  |  | 3 YRS | 3616.38 | 3612.23 | Taxes and Insurance | 60.66 | 219113.37 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 2495.48 | 2495.48 | 586.75 | 3612.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 13645 | 1 | 18300 | 781 | 6 | 0 | 1.42 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 746 | 752 | 605 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 19.36 | 35.06 | 74489.98 | .00 | .00 | .00 | 74489.98 | Employed |  |  |  | 9.02 |  |  |  | NA | 48370.89 | 26119.09 | Taxes and Insurance | 9.22 | 132985.02 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 12806.21 | 12806.21 | 1210.09 | 14421.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 65 | 42144.98 | 3 | 59192 | 257 | 5 | 0.12494011976047904 | 0.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 770 | 770 | 770 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.35 | 44.94 | 15267.00 | .00 | .00 | .00 | 15267.00 | Employed |  |  |  | 5.22 |  |  |  | NA | 8405.67 | 6861.33 | Taxes and Insurance | 7.3 | 162269.91 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 4082.67 | 4082.67 | 973.41 | 5244.08 | XXXX | Fixed | 180 | 180 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 9620 | 1 | 28400 | 224 | 7 | 0.014047267355982275 | 35 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 774 | 809 | 774 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.3 | 19.18 | 22807.53 | .00 | .00 | .00 | 22807.53 | Employed |  |  |  | 5.22 |  |  |  | NA | 18432.51 | 4375.02 | Taxes and Insurance | 9.88 | 36731.25 | XXXX | XXXX | 50.05 | 50.05 | 50.05 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 3202.53 | 3202.53 | 515.49 | 3718.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 7020 | 1 | 1952 | 240 | 1 | 0 | 5.91 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 771 | 788 | 771 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 796 | 802 | 783 | 796 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6203 | Taxes and Insurance | 32.76 | 69569.44 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1314.89 | 1314.89 | 808.57 | 2123.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3855 | 8 | 20502 | 303 | 6 | 0.11850899742930592 | 13.16 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | XXXX | 2007420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 705 | 705 | 678 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 30.93 | 43.44 | 26017.93 | .00 | .00 | .00 | 26017.93 | Employed |  |  |  | 3.41 |  |  |  | NA | 14715.36 | 11302.57 | Taxes and Insurance | 29.91 | 240708.61 | XXXX | XXXX | 48.82 | 48.82 | 48.82 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 5452.51 | 5452.51 | 2594.06 | 8046.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 240708.61 | 13362.5 | 1 | 66910 | 271 | 6 | 0.7866121495327103 | 7 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | XXXX | 2007430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 753 | 769 | 753 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 25.4 | 39.74 | 44620.71 | .00 | .00 | .00 | 44620.71 | Employed |  |  |  | 14.44 |  |  |  | NA | 26887.42 | 17733.29 | Insurance | 6.02 | 68184.14 | XXXX | XXXX | 73.1 | 73.1 | 73.1 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 8432.35 | 8432.35 | 364.58 | 11333.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 15568.96 | 14981.02 | 2 | 67570 | 333 | 6 | 0.049219269102990036 | 1.33 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |

---

## Exhibit 99.61

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.61**

![](ex9961001.jpg)

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 335 newly originated residential mortgage loan, in connection with the securitization identified as EFMT 2025-NQM2 (the "Securitization"). The review began on June 3, 2024 and concluded on May 29, 2025.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk'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. Digital
 Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, (ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the Client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance
 Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify
 executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital Risk
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms
 (e.g. an interest only feature or negative amortization), (ii) the "points and
 fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately, (iv) the creditor considered and verified income or assets at or before
 consummation, (v) the creditor appropriately considered debt obligations, alimony and
 child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds
 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review
 includes a recalculation of all income and liabilities with attention to the appropriate
 documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Digital Risk then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW.

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible
 decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS
data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting
 decision is supported (AUS or manual underwrite credit conditions have been satisfied
 prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile
 AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

---

| | | |
|:---|:---|:---|
| | ii. | W-2s and Paystubs |
| | iii. | Transcripts (as applicable) support income |
| | iv. | Tax Returns and Profit and Loss Statements, as applicable |
| | v. | Bank Statements or other Alternate Income documents as required by the Client |
| |  | Guidelines or Additional Guidelines |
| | vi. | Consistent/Continuing Employment |
| | vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
| |  | for post- closing quality control reverifications. (If needed) |
| c. | Assets |  |
|  | i. | Confirm adequate funds to cover required down payment and closing costs and |
|  |  | reserves |
|  | ii. | Check dates for document expiration |
|  | iii. | Sufficient funds were sourced and seasoned |
|  | iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
|  | v. | The Reverifications within this section are intended to meet the Client or Agency |
|  |  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
 respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Digital Risk
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms
 (e.g. an interest only feature or negative amortization), (ii) the "points and
 fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately, (iv) the creditor considered and verified income or assets at or before
 consummation, (v) the creditor appropriately considered debt obligations, alimony and
 child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds
 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review
 includes a recalculation of all income and liabilities with attention to the appropriate
 documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that satisfied the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan is a Safe Harbor QM or
 QM Rebuttable Presumption by comparing the mortgage loan's actual annual percentage
 rate, as recalculated, to the applicable average prime offer rate plus a certain applicable
 percentage. The Review also includes determining, as applicable, whether a mortgage loan
 is a qualified mortgage as defined by the Department of Housing and Urban Development
 (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part
 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk's review included a review of the valuation materials utilized during the
 origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review included verifying the appraisal report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to Digital Risk, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, Digital Risk's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE
 REVIEW.

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to Digital
 Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;● Note: Where available, Digital Risk reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Digital Risk's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the terms of the mortgage loan require arbitration or any other non- judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. With
 respect to a borrower that has waived the three (3) business day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) business days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other similarly designated mortgage loan as defined under such authorities, or
 subject to any other laws that were enacted to combat predatory lending, as may have
 been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 335 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.72% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;120 | &nbsp;&nbsp;35.61% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;29 | &nbsp;&nbsp;8.61% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;21 | &nbsp;&nbsp;6.23% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;6.82% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;27 | &nbsp;&nbsp;8.01% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;4.96% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.59% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;133 | &nbsp;&nbsp;$46577472.00 | &nbsp;&nbsp;39.70% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;202 | &nbsp;&nbsp;$58455850.00 | &nbsp;&nbsp;60.30% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;335 | &nbsp;&nbsp;$105033322.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;281 | &nbsp;&nbsp;$81890387.00 | &nbsp;&nbsp;83.88% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;54 | &nbsp;&nbsp;$23142935.00 | &nbsp;&nbsp;16.12% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;335 | &nbsp;&nbsp;$105033322.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;167 | &nbsp;&nbsp;$59709956.00 | &nbsp;&nbsp;49.85% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;168 | &nbsp;&nbsp;$45323366.00 | &nbsp;&nbsp;50.15% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;335 | &nbsp;&nbsp;$105033322.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;334 | &nbsp;&nbsp;$104703722.00 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$329600.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;335 | &nbsp;&nbsp;$105033322.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan complies with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan complies with all material applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology does not meet applicable published guidelines for the program.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>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.<br>|
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.62

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.62**

EFMT 2025-NQM2 Rebuttal Findings 05.29.2025

Seller:

Deal ID:

Total Loan Count: 335

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population |  | Trade Summary | Trade Summary | Trade Summary | Trade Summary | Trade Summary |
|  | Loan Grade | Count | Percentage | Percentage | Percentage |  | Loan Status | Loan Status | Loan Status | Count | Percentage |
|  | 1 | 133 | 39.70% | 39.70% | 39.70% |  | Review Complete | Review Complete | Review Complete | 333 | 99.40% |
|  | 2 | 202 | 60.30% | 60.30% | 60.30% |  | In Rebuttal | In Rebuttal | In Rebuttal | 2 | 0.60% |
|  | ![](eq_img001.jpg) | ![](eq_img001.jpg) | ![](eq_img001.jpg) | ![](eq_img001.jpg) | ![](eq_img001.jpg) |  |  |  |  |  |  |
|  | ![](eq_img001.jpg) | ![](eq_img001.jpg) | ![](eq_img001.jpg) | ![](eq_img001.jpg) | ![](eq_img001.jpg) |  | ![](eq_img002.jpg) | ![](eq_img002.jpg) | ![](eq_img002.jpg) | ![](eq_img002.jpg) | ![](eq_img002.jpg) |
| | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |  |
| Initial Findings Grade | Open | UpHeld | Void | 3 | 4 | 2 | 1 |  |  |  |  |
| 3 | 0 | 0 | 0 | 0 | 0 | 38 | 147 |  |  |  |  |
| 4 | 0 | 0 | 0 | 0 | 0 | 0 | 8 |  |  |  |  |
| 2 | 2 | 0 | 0 | 0 | 0 | 210 | 51 |  |  |  |  |
| 1 | 644 | 0 | 3 | 0 | 0 | 0 | 761 |  |  |  |  |
|  |  |  |  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |
| Exceptions | Exceptions | Exceptions | Exceptions | Count | 3 | 4 | 2 | 3 | 2 | 2 |  |
| Compliance | Compliance | Compliance | Compliance | 273 | 40 | 1 | 232 | 0 | 183 | 183 |  |
| Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | 199 | 11 | 0 | 188 | 0 | 140 | 140 |  |
| TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | 10 | 0 | 0 | 10 | 0 | 10 | 10 |  |
| Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | 10 | 2 | 0 | 8 | 0 | 8 | 8 |  |
| TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | 9 | 0 | 0 | 9 | 0 | 8 | 8 |  |
| HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | 5 | 0 | 0 | 5 | 0 | 5 | 5 |  |
| HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | 5 | 0 | 0 | 5 | 0 | 5 | 5 |  |
| Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | 3 | 3 | 0 | 0 | 0 | 0 | 0 |  |
| Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | Federal - HPML APR/Non-Compliant | 3 | 3 | 0 | 0 | 0 | 0 | 0 |  |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | 2 | 0 | 0 | 2 | 0 | 2 | 2 |  |
| TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | 2 | 2 | 0 | 0 | 0 | 2 | 2 |  |
| Flood Insurance Required | Flood Insurance Required | Flood Insurance Required | Flood Insurance Required | 2 | 0 | 0 | 2 | 0 | 2 | 2 |  |
| Federal - HPML APR/Compliant | Federal - HPML APR/Compliant | Federal - HPML APR/Compliant | Federal - HPML APR/Compliant | 1 | 0 | 0 | 1 | 0 | 0 | 0 |  |
| TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| State HPML | State HPML | State HPML | State HPML | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Flood Insurance - Escrow Notice | Flood Insurance - Escrow Notice | Flood Insurance - Escrow Notice | Flood Insurance - Escrow Notice | 1 | 0 | 0 | 1 | 0 | 1 | 1 |  |
| HOC - Late | HOC - Late | HOC - Late | HOC - Late | 1 | 0 | 0 | 1 | 0 | 0 | 0 |  |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | TRID - CD - Revised CD Delivery Date (No Waiting Period) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | Note - Missing Signature | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | Security Instrument - Missing Signature | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Note - Missing | Note - Missing | Note - Missing | Note - Missing | 1 | 0 | 1 | 0 | 0 | 0 | 0 |  |
| Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | Note - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | Security Instrument - Trust Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Credit | Credit | Credit | Credit | 177 | 142 | 7 | 28 | 0 | 64 | 64 |  |
| DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | 35 | 24 | 0 | 11 | 0 | 22 | 22 |  |
| Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | 15 | 7 | 0 | 8 | 0 | 12 | 12 |  |
| Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | 10 | 9 | 0 | 1 | 0 | 2 | 2 |  |
| Credit - Other | Credit - Other | Credit - Other | Credit - Other | 10 | 10 | 0 | 0 | 0 | 0 | 0 |  |
| Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | 10 | 10 | 0 | 0 | 0 | 0 | 0 |  |
| Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | 9 | 9 | 0 | 0 | 0 | 6 | 6 |  |
| DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | 9 | 9 | 0 | 0 | 0 | 0 | 0 |  |
| Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | 7 | 7 | 0 | 0 | 0 | 1 | 1 |  |
| Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | 6 | 5 | 0 | 1 | 0 | 5 | 5 |  |
| Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | 5 | 5 | 0 | 0 | 0 | 0 | 0 |  |
| DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | 5 | 5 | 0 | 0 | 0 | 1 | 1 |  |
| Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | 4 | 0 | 0 | 4 | 0 | 4 | 4 |  |
| Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | 4 | 4 | 0 | 0 | 0 | 1 | 1 |  |
| Assets - Other | Assets - Other | Assets - Other | Assets - Other | 4 | 4 | 0 | 0 | 0 | 1 | 1 |  |
| Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | Verification Documentation - VOE Self-Employed/Aged | 3 | 0 | 3 | 0 | 0 | 0 | 0 |  |
| Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | 3 | 3 | 0 | 0 | 0 | 1 | 1 |  |
| Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | 3 | 3 | 0 | 0 | 0 | 0 | 0 |  |
| Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | 3 | 2 | 1 | 0 | 0 | 0 | 0 |  |
| Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | 2 | 2 | 0 | 0 | 0 | 2 | 2 |  |
| Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | 2 | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | 2 | 0 | 2 | 0 | 0 | 0 | 0 |  |
| Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | 2 | 1 | 0 | 1 | 0 | 1 | 1 |  |
| Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | 2 | 1 | 0 | 1 | 0 | 2 | 2 |  |
| Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | 2 | 2 | 0 | 0 | 0 | 0 | 0 |  |
| Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | 1 | 1 | 0 | 0 | 0 | 1 | 1 |  |
| FEMA | FEMA | FEMA | FEMA | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Contract - Concessions | Contract - Concessions | Contract - Concessions | Contract - Concessions | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | Hazard Insurance deductible over allowed 5% of coverage amount. | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 1 | 1 |  |
| Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | Sales Contract - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | Income - Tax Transcripts Missing | 1 | 0 | 0 | 1 | 0 | 1 | 1 |  |
| Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | 1 | 1 | 0 | 0 | 0 | 0 | 0 |  |
| Valuation | Valuation | Valuation | Valuation | 4 | 3 | 0 | 1 | 0 | 1 | 1 |  |
| Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | Appraisal - Value is not supported within 15% of original appraisal amount | 3 | 3 | 0 | 0 | 0 | 0 | 0 |  |
| Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 1 | 0 | 1 | 1 |  |

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![](ex9962_001.jpg)

## Exhibit 99.63

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.63**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 1993223 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding HUD-1, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1993223 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence of the amount of funds needed for closing. The loan file contained a partial HUD-1 settlement statement which is missing the first page reflecting the amount of funds required for closing. The loan file also contained a wire confirmation of funds from the XXXX account \*XXXX in the amount of $XXXX sent on XX/XX/XXXX to the title company. In addition, the borrower was required to evidence $XXXX in funds for reserves. The loan file contained bank statements for the XXXX account \*XXXX reflecting a balance of $XXXX in available funds, which would be insufficient for $XXXX in total funds required for closing and reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See Feb bank statement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993223 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993224 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993224 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993224 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002074 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002074 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. Funds required for subject closing were $XXXX ($XXXX POC + $XXXX EMD + XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX (XXXX #XXXX as of XXXX and XXXX #XXXX as of XXXX). As a result; funds for closing were short $XXXX. The file contained a gift letter dated XXXX in the amount of $XXXX. The donor account was dated XXXX and did not reflect a sufficient balance for the gift. In addition, the file did not contain proof of receipt of the gift by the borrower or title company. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Updated bank statement, asset authorization letter and source of gift provided as required. Assets and reserves totaling $XXXX covers cash to close and reserves. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002074 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Sales Contract - Missing/Incomplete | XXXX | The sales contract in the loan file is not fully executed or incomplete/inaccurate. The Final HUD reflects a closing credit of $XXXX per the contract; however, review of the contract does not reflect the credit. Please provide an addendum to the contract reflecting the credit. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Contract addendum provided with the 10k seller concession. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002074 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA from XXXX or a XXXX Reconciliation Report to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002080 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002080 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002080 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002078 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002078 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002078 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002076 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002076 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. The XXXX statement XXXX XX/XX/XXXX reflects a large deposit on XX/XX/XXXX of $XXXX which was not sourced with a final balance of $XXXX. A VOD dated XX/XX/XXXX reflects a balance of $XXXX. The source of this increase was not sourced. Per guidelines, the large deposit and increase in balance are required to be verified. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see where funds came from <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation was not provided detailing the $XXXX deposit back into the XXXX account. Account history from XX/XX/XXXX to XX/XX/XXXX is required. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Asset documentation received does not illustrate the $XXXX deposit back into XXXX. Account history for XXXX from XX/XX/XXXX to XX/XX/XXXX is required. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002076 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002073 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002073 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The file did not contain the Operating Agreement for XXXX. Noted, the prefund review loan contained the Operating Agreement; therefore, a finding was not made after that review. Additional conditions may apply after receipt of the Operating Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Operating Agreement and Resolution provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002073 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1885348 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1885348 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1885348 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Verbiage, Rider, or Addendum is missing: The Property is located in a PUD; however, the Security Instrument did not contain Verbiage, Rider, or an Addendum related to the PUD. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PUD Rider<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1885348 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX (XX-XXXX-XX) with an incident period of XX/XX/XXXX - XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide a Property Inspection to confirm no damage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PDI<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1885348 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1885340 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1885340 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Borrower is an entity. The Loan Agreement addendum Page 16 of 17 has not been executed by the Co-Borrowing Entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Note & Loan agreement<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Loan agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Loan Agreement provided has not been executed by entity Member XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1885340 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1885340 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1885340 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1947958 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947958 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947958 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Alerts | XXXX | The credit report and Identity Risk Review contained alerts regarding the Guarantor's Social Security number. The alerts indicate the SSN either has not been issued or was issued after XXXX. The documentation within the loan file does not support the alerts were adequately addressed at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SSN card, verifies that borrower is US citizen<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947958 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916098 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916098 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The owner of record on the appraisal is incorrect. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attempting to upload again<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916098 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | According to guidelines the maximum LTV for a cash out refinance is 75%. The subject closed at XXXX% LTV which exceeds the maximum allowable. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please check the attached SLV doc<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Loan is a rate term, XXXX% is acceptable<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916098 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947935 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947935 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. Per Lender's guides any large deposit representing more than 175% of the monthly average deposit balance which exceeds $5,000, must be sourced/evaluated. The bank statement from XXXX #XXXX - XX/XX/XXXX, reflects a large deposit in the amount of $XXXX. The loan file does not obtain documentation to source or evaluate the large deposit as required. Therefore, did not include the funds of $XXXX, as per Lender's guides. By deducting the large deposit, the borrower is short verified funds of -$XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Per LOX on file, funds were from a rehab reimbursement<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Bank statement with memo line citing source<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the source document. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947935 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1948050 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1948050 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. Per Lender's guides any large deposit representing more than 175% of the monthly average deposit balance which exceeds $5,000, must be sourced/evaluated. The bank statement from XXXX #XXXX - XX/XX/XXXX, reflects a large deposit in the amount of $XXXX. The loan file does not obtain documentation to source or evaluate the large deposit as required. Therefore, did not include the funds of $XXXX, as per Lender's guides. By deducting the large deposit, the borrower is short verified funds of -$XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Per LOX funds were rehab reimbursement<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Bank statement with memo sourcing the deposit<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the source document. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1948050 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947938 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance - Escrow Notice | XXXX | The loan was subject to Flood Insurance and the Notice of Requirement to Escrow Flood Insurance Premiums is missing. National Flood Insurance Act (NFIA) & Implementing Regulations 42 USC 4012a(d) // 12 CFR 208.25(e)(2). Although a Flood Notice was provided in the loan file it cannot be determine if it was provided to the Borrower due to missing Borrower and Loan Information. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947938 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947938 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. Per Lender's guides any large deposit representing more than 175% of the monthly average deposit balance which exceeds $5,000, must be sourced/evaluated. The bank statement from XXXX #XXXX - XX/XX/XXXX, reflects a large deposit in the amount of $XXXX. The loan file does not obtain documentation to source or evaluate the large deposit as required. Therefore, did not include the funds of $XXXX, as per Lender's guides. By deducting the large deposit, the borrower is short verified funds of -$XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Per LOX deposit was rehab reimbursement<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> bank statement with sourcing for large deposit<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the source document. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947938 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916059 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916059 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916059 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | It should be noted that there is no photograph of a stove in unit XX, no refrigerator or stove in unit XX and no refrigerator or stove in unit XX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Photos<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916059 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The loan file contains a property management questionnaire as required; however, not all of the questions were completed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916059 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916054 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916054 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916054 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Contract - Concessions | XXXX | According to the final HUD-1 settlement statement, the borrower received $XXXX in seller credit; however, the purchase agreement did not mention any seller paid costs and the loan file did not contain an addendum for seller paid costs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916054 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The guidelines require any delinquent mortgage payment at the time of origination (or any 60+ within the preceding 24 months) (Any 30+ mortgage lates in the last 24 months shall require an LOX from the customer). A review of the credit report reflects the borrower had a 30-day late payment on XXXX with XXXX. In addition, the co-borrower had a mortgage late payment on XXXX with Provident Funding. A letter of explanation was not found in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOEs attached for the late mtg payments<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916054 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA dated XX/XX/XXXX was provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1996971 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996971 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996971 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996971 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1964246 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1964246 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1964246 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV exceeds the maximum program eligibility guidelines of 80%. The LTV at audit was XXXX%. Original LTV was calculated using the higher of the appraised value vs Cost basis/Purchase price and should be lower of. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please check the attached SLV doc<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Client has approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, reserves $XXXX and DSCR XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 1964246 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947983 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947983 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947983 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file contains the borrower/guarantor's OFAC screening dated XX/XX/XXXX exceeds the maximum XX age days of the Note dated XX/XX/XXXX, per guidelines. An updated OFAC screening on the borrower/guarantor is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OFAC<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> OFAC was personally pulled by myself on the day it was uploaded, our searches do not normally have dates included<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> OFAC<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The OFAC does not contain a date. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The OFAC date is typically displayed at the top left of the report. The issue could be the Adobe print settings. Please view the original report in the file and re-print to display the current date. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947983 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the borrower/guarantor's background check which is to include a criminal search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SLV attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> there was no background pull available - underwriting did name search and had no results. UW was comfortable with that<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> No Hit results in file are sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947983 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1964185 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1964185 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1964185 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1964185 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1947999 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947999 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947999 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The appraisal provided reflects XXXX as the Borrower; the correct Borrower is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Appraisal<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Updated appraisal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The subject property is XXXX. The corrected appraisal is for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 1947999 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The borrower was required to evidence $XXXX in reserves. Therefore, the borrower was required to evidence a total of $XXXX in funds for the subject transaction. The loan file contained a bank statement from another business; however, large deposits exceed the balance in the account. Utilizing 50% the cash out amount of $XXXX yields $XXXX in reserves. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached Operating Agreement Borrower Holds 51%share in XXXX. Attached LOX for Large deposits<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The deposits are business income as the borrower owns an Automotive dealer and often has large deposits for sold cars<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> It was not confirmed that the large deposits were from XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947999 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate loans are not permitted for personal, family or household purposes. The Final Hud-1 indicates an $XXXX payoff to XXXX, however, the loan does not contain documentation to support the payoff was for business purposes. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Business purpose language is included in section 22 of the loan agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947999 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Other | XXXX | There are additional findings regarding the title commitment. The title commitment and appraisal indicate the subject is a leasehold property subject to a ground lease. The guidelines require verification that the ground lease length being longer than the loan term by five years or more. There is no evidence in the loan file of the ground lease or the length of the lease. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The ground rent was paid at closing per the HUD, final title will be issues as fee simple. However XXXX is very backed up when it comes to issuing final title, what else is needed to satisfy this exception<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please re-review the HUD, ground rent redemption is listed on line items 1306 and 1307<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> HUD does not reflect redemption. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947999 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007330 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007330 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007330 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993169 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993169 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993169 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993169 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993165 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993165 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993165 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993165 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1980279 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1980279 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1980279 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1980279 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993168 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993168 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993168 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993168 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007339 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007339 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007339 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007339 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993174 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing the Lenders Signature | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1993174 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower indicates US Citizen status; however, the file contains a copy of the Borrower's "Valid for Work Only" SS Card. The loan file is missing documentation supporting the borrower's current citizenship status. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Guarantor's background report shows that they're registered to vote in XX. This exception could be waived off.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see passport uploaded to XXXX <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Passport<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Voter Card was not provided. Secondly, a Voter Card serves as secondary identification; however, it does not serve as confirmation of US citizenship. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Passport not received. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993174 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007328 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007328 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendumis missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007328 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007328 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007342 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007342 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007342 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993176 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993176 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1993176 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Per Lender's guides, XX months reserves are required to be verified, along with CTC funds. The borrowers were required to verify a total of $XXXX; which includes, XX months reserves of $XXXX EMD of $XXXX and CTC of $XXXX. However, the borrowers verified $XXXX in reserves. Therefore, the borrowers are short verified funds of -$XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX Account #XXXX (XXXX XXXX): $XXXX as of XX/XX/XXXX. XXXX Account (XXXX): $XXXX (XXXX% of $XXXXX) as of XX/XX/XXXX. XXXX Checking Account #XXXX (XXXX): $XXXX as of XX/XX/XXXX. Total Verified Funds: $XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Bank statements<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> SLV<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Investor waiver granted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The file contains a later XXXX statement dated XX/XX/XXXX with only a $XXXX balance. Shortage stands. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The XXXX balance used in rebuttal is the beginning balance. The lower ending balance should be used. The latest XXXX statement is XXXX and is much lower than the statement used in rebuttal. Shortage stands. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 1993176 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1996979 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996979 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996979 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003885 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003885 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003885 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003885 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993162 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993162 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993162 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993162 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007326 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007326 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007326 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007326 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007325 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007325 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendumis missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007325 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007325 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided and did not support therefore a Field Review was provided and did support. Per the rating agencies when a second valuation product is required the grading is an EV2. | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993154 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993154 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993154 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993154 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996985 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996985 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996985 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996985 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007311 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007311 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007311 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007311 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996970 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996970 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996970 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996970 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007323 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007323 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007323 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007323 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995051 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page 16 of the Loan Agreement was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1995051 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1995051 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2003884 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003884 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003884 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003884 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993153 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993153 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993153 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007308 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007308 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007308 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007308 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993147 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993147 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993147 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993147 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993147 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995050 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995050 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995050 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995050 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996986 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1996986 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Notary Acknowledgment page for the note and loan agreement was incomplete. It does not specify which document it is for. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996986 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgment page was incomplete. It does not specify which document it is for. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996986 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1996986 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2007296 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007296 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007296 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996969 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996969 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996969 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996969 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993144 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993144 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993144 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993144 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996966 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996966 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996966 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996966 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993143 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993143 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993143 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993145 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993145 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993145 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993145 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007293 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007293 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007293 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007293 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003879 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003879 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003879 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003879 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993140 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993140 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993140 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007295 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007295 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007295 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007295 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996964 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996964 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996964 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996964 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993136 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993136 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993136 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993136 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996965 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996965 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996965 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996965 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007292 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007292 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007292 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007292 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007291 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007291 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007291 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007291 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996972 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996972 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996972 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993139 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993139 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993139 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993139 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007281 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007281 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007281 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007281 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996977 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996977 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996977 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996977 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993135 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993135 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993135 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993135 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993138 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993138 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993138 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993138 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995044 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995044 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995044 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995044 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007274 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007274 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007274 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007277 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007277 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007277 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993129 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993129 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993129 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993129 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007365 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007365 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007365 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007365 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007364 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007364 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007364 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007364 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007363 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007363 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007363 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007363 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993132 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993132 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993132 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993132 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003875 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2003875 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2003875 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Notary date is missing on page 15 of the Loan Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2003875 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | Subject loan is a no cash-out refinance. The file is missing the final HUD, therefore, unable to determine funds required for closing. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2003875 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993130 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993130 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993130 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993130 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996976 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996976 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996976 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996976 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993126 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993126 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993126 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993126 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007360 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007360 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007360 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007360 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007359 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007359 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007359 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007359 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007357 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007357 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007357 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007357 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007358 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007358 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007358 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007358 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996974 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996974 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996974 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996974 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007355 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007355 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007355 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007355 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007355 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007356 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007356 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007356 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007356 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993127 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993127 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993127 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993127 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007353 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007353 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is not signed by the lender, | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007353 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007353 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003873 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003873 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003873 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003873 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996973 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996973 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996973 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996973 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007350 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007350 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007350 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003871 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003871 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003871 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007349 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007349 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007349 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007349 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007348 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007348 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007348 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007348 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007345 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007345 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007345 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007345 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007344 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007344 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007344 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007344 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007343 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007343 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007343 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007343 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007337 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007337 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007337 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007337 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007335 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007335 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007335 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007335 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993128 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993128 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993128 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007332 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007332 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007332 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007332 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007331 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007331 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007331 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007331 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007322 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007322 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007322 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007322 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007321 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007321 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007321 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007321 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007319 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007319 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement addendum is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007319 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007319 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007315 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007315 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007315 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007315 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007305 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007305 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007305 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007306 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007306 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007306 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007303 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007303 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007303 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007303 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007304 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007304 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The following section of the Note is incomplete: The loan agreementaddendum is missing the lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007304 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007304 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007302 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007302 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007302 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007302 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007301 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007301 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2007301 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007301 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. The loan file did not contain a CDA as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2007300 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007300 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007300 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007300 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007290 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007290 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007290 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007290 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003872 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003872 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003872 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007285 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007285 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007285 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007285 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007284 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007284 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007284 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007284 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1693681 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1693681 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced are missing: PUD Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1693681 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Lender NMLS Missing or Inaccurate | XXXX | The Lender's NMLS disclosed on the CD issued on XX/XX/XXXX is Missing. The Broker's NMLS was disclosed as the Lender's NMLS. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated Post CD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1693681 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated Post CD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1693681 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Per Lender's guides, 6 months reserves are required for LTVs over 65%. The borrower is required to verify $XXXX in reserves. The loan file does not contain any asset documentation to verify reserves. The Lender allows for cash out proceeds to be used for reserves; however, the borrower received $XXXX in cash proceeds. Therefore, the borrower is short -$XXXX in reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - $XXXX residual income per month, Good mtg history. |  | 3 | 2 | 3 | 2 |
| XXXX | 1693681 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Lender's Exception - Per Lender's guides the max LTV for cash out transactions is 75%. LTV is XXXX%. Compensating factors deems as non-material. | Waived |  |  |  | Compensating factors - $XXXX residual income per month, Good mtg history. |  | 2 | 2 | 3 | 2 |
| XXXX | 1693681 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1900208 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1900208 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1900208 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1925314 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1925314 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1925314 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1808531 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1808531 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | This loan failed the XX rate spread home loan test. (XX GS §24-1.1F(a)(7)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1808531 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | Lender exception provided for borrower's credit score of XXX is below the minimum required of 640. Deemed non-material based on compensating factors. | Waived |  |  |  | Compensating factors: Primary residence is owned free and clear, Self-employed in the same business for XX years, residual income of $XXXX months of post-closing reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 1808531 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender exception for payment shock of XXXX exceeding maximum of 300. Deemed non-material based on compensating factors. | Waived |  |  |  | Compensating factors: Primary residence is owned free and clear, Self-employed in the same business for XX years, residual income of $XXXX months of post-closing reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 1808531 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A XXXX desk review dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998360 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998360 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for "First time investor, First time STR investor; Subject property has deed or resale restrictions" Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: LTV XX%, FICO XXX, Property is Embassy Suites in a high tourist area |  | 2 | 2 | 2 | 2 |
| XXXX | 1998360 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996913 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1996913 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. Coverage is $XXXX and XX% is $XXXX. Deductible is listed on the policy as $XXXX which exceeds the max. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996913 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1999233 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1999233 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a first time short term rental investor to proceed with purchase of a property having deed restrictions. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico Score XXX, XXXX at present address, DSCR XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 1999233 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow subject property with deed restrictions. It does not prevent foreclosure or resale in the event of foreclosure. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico Score XXX, XXXX at present address, DSCR XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 1999233 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1914005 | 1 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 8.653% and the calculated APR 8.643%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: 09/23/2024. The loan is a non-compliant HPML due to the following: There is no evidence the borrower received the appraisal at least 3 business days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 2 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | This loan exceeded the average prime offer rate APR threshold. (CT SB 949, §3(a)(7)(F)(ii)). The loan is a first lien and the greater of the disclosed APR and the calculated APR, exceeds the Average Prime Offer Rate (XXXX%) by 1.5% or more. The loan is a non-compliant HPML due to the following: There is no evidence the borrower received the appraisal at least 3 business days prior to consummation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 3 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the Initial LE 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. Therefore, baseline did not reset as a result of the following additions/increases: Abstract / Title Search Fee $XXXX, Attorney's Fee (Closing Agent Only) $XXXX, Closing Protection Letter Fee $XXXX, Electronic Recording Service Fee $XXXX, Funding, Wire, or Disbursement Fee $XXXX, Lender's Title Insurance Policy $XXXX, Settlement or Closing Fee $XXXX, Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely . | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial disclosure signed - attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 4 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Initial disclosure sent on XXXX - Attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 5 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE 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. Therefore, baseline did not reset as a result of the following additions/increases: Points - Loan Discount Fee $XXXX, Underwriting Fee $XXXX, Appraisal Fee $XXXX, Appraisal Review Fee $XXXX, Credit Report Fee $XXXX. A cost to cure in the amount of $ XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see initial disclosure signed - attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 6 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit report is missing from the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1914005 | 7 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | A VOE is required within 10 Days of the Note Date. The VOE in file to confirm the borrower's self-employed business, XXXX, is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 1914005 | 8 of 8 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1873760 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1873760 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Liabilities - Excluded Debts | XXXX | Per Lender's guides, if the credit report does not provide a monthly payment for the student loan, or if the credit report shows $XXXX as the monthly payment, the Client must determine the qualifying monthly payment. For deferred loans or loans in forbearance, the Client may calculate: a payment equal to 1% of the outstanding balance (even if this amount is lower than the actual fully amortizing payment), or a fully amortizing payment using the documented loan repayment terms. However, the Lender did not include monthly payments for the borrower's student loans as required. After recalculating the DTI by adding the monthly student loan payments, by using 1%; the DTI increased from XXXX% to XXXX%, which exceeds the max DTI of 45% for FTHB. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> student loan docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Statement provided indicates loans are in forbearance. 1% must be used an the DTI is XXXX%. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XX years on job. XXXX% LTV. XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 1873760 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1914010 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1914010 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, a transfer letter signed by an authorized person from the appraisal company is required to be provided along with an invoice. The loan file only obtained the appraisal invoice. However, the loan file did not contain a transfer letter as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1914010 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1930420 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1930420 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1930420 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | The subject was approved using additional earnings of $XXXX per month; however, the loan file did not contain any documentation confirming the source of this income, or evidence of receipt of this additional income. Excluding this additional monthly income of $XXXX per month would increase the DTI to XXXX%, which exceeds lenders maximum guides of 50%. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> marin exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. $XXXX per month residual income. XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 1930420 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | A VOE is required within 10 Days of the Note Date. The VOE in file to confirm the borrower's two self-employed businesses, XXXX and XXXX, is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VOES<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 1930420 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1944932 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> appraisal delivery cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The loan is a compliant Federal HPML, Appraisal requirements are not applicable. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1944932 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1944932 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1944932 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1969256 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1969256 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1969256 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception for short reserves. Gift of XXXX was never given at closing<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The $XXXX gift transfer is still not documented. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | $XXXX per month residual income. Long Term self-employment history. |  | 3 | 2 | 3 | 2 |
| XXXX | 1969256 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | $XXXX per month residual income. Long Term self-employment history. |  | 3 | 2 | 3 | 2 |
| XXXX | 1969256 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1939645 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1939645 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1939645 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995601 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1995601 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995601 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1952331 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1952331 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1952331 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1968388 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 1968388 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 1968388 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 4 | 2 |
| XXXX | 1968388 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 2 |
| XXXX | 1968388 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 1973955 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1973955 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1973955 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Credit Score | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors - Low DTI, $XXXX residual income, XX months reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 1973955 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1999234 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1999234 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1999234 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1999235 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1999235 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> uplaod<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1999235 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1999235 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1995602 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995602 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Signature Discrepancy | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995602 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995602 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995602 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1979074 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1979074 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1979074 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1979074 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995603 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995603 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995603 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1968428 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1968428 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1968428 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1987123 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1987123 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed into trust<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> state of nevada does not prep./record warranty deeds in XXXX, a Quitclaim deed is the same thing. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> QCD from individual<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Quit claim is unexecuted. In addition, the vested party on title is an individual, XXXX. The borrower is a trust, XXXX dated XX/XX/XXXX. The Quit Claim provided discloses the trust giving vested interest to the trust. A warranty deed from the individual to the trust is needed for review. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A Quit claim is an acceptable document to change vesting. However, the vested party on title is an individual, XXXX. The borrower is a trust, XXXX dated XX/XX/XXXX. The Quit Claim provided discloses XXXX, as Trustee of the XXXX giving vested interest to the same trust. A Quit Claim Deed from, XXXX the individual, to the trust is needed for review. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1987123 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1987123 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998365 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998365 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is the XXXX HUD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998365 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1999236 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1999236 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1999236 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1995611 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995611 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995611 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: strong liquid assets in excess of $XXXX, lived at primary residence for XXXX years, FICO is XX points greater than minimum required. |  | 2 | 2 | 3 | 2 |
| XXXX | 1995611 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995614 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995614 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995614 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995614 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998361 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998361 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: Favorable DSCR above XXXX, LTV XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 1998361 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: Favorable DSCR above XXXX, LTV XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 1998361 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995613 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995613 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995613 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1989441 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HOC - Late | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1989441 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1989441 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1989441 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> initial disclosures sent XX/XX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1989441 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> mavent passed high priced...please see discount point<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1989441 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Credit Score | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors: residual income of $XXXX,reserves of $XXXX, XX years in current self-employment business. |  | 2 | 2 | 3 | 2 |
| XXXX | 1989441 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995615 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995615 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995615 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1992338 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1992338 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1992338 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors: LTV XXXX%, years on job XX years, residual income exceeds XXXX a month |  | 2 | 2 | 3 | 2 |
| XXXX | 1992338 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995616 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1995616 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995616 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1998363 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998363 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998363 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998363 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998363 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1985201 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B of the loan agreement is missing the date on the bottom of the form. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exhibit B with date<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1985201 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1985201 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1985201 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998409 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1998409 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1998409 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1998366 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998366 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998366 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995621 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995621 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: Favorable DSCR XXXX, XX year ownership of primary residence |  | 2 | 2 | 2 | 2 |
| XXXX | 1995621 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998375 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1998375 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1998375 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1998410 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998410 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998410 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998376 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1998376 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1998376 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008682 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008682 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2008682 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995631 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995631 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The $XXXX EMD should be counted as an asset, but it looks like it was counted again as part of the cash to close. The EMD funds had already cleared the account and the qualifying balance reduced. If we add the EMD back to cash to close, it would double count it. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see the attached exception for the reserve shortage.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please waive with Lender exception provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The assets have been looked at a second time. The shortage is accurate. Funds available: Gift - $XXXX XXXX - $XXXX XXXX #XXXX - $XXXX XXXX #XXXX - $XXXXEMD Cleared - $XXXX Total Available Funds: $XXXX. Required to complete the transaction: POC - $XXX EMD - $XXXX Cash to Close - $XXXX Reserves - $XXXX Total Required Funds - $XXXX. Shortage - $XXXX.<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | XXX score. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 1995631 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998411 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998411 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: XXX Fico, excess reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 1998411 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008684 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008684 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008684 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | compensating factors: credit XXX, LTV XX% |  | 2 | 2 | 3 | 2 |
| XXXX | 2008684 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2008683 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008683 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008683 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008685 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008685 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008685 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995629 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1995629 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We currently have 2mo assets in file for XXXX acct # XXXX XXXX statement, and XXXX statement. Per guidelines pg 44, assets are good for 90days. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995629 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors: XXX FICO, XX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 1995629 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors: XXX FICO, XX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 1995629 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995627 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995627 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995627 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995635 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995635 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995635 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002052 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002052 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002052 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1998388 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1998388 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1998388 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors: Excess reserves, DSCR over XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 1998388 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2008688 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008688 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008688 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995638 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1995638 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995638 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002053 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002053 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002053 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995639 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995639 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995639 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011734 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2011734 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011734 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors: DTI XXXX% when XX% max; XX yrs on job. |  | 2 | 2 | 3 | 2 |
| XXXX | 2011734 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998396 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998396 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998396 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995643 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1995643 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1995643 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1999239 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1999239 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1999239 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995645 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995645 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995645 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008693 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008693 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008693 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: XXX FICO is XX points greater than minimum required, Borrower has XX investment properties, Borrower has lived in primary for XX years |  | 2 | 2 | 3 | 2 |
| XXXX | 2008693 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002054 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002054 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002054 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002057 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002057 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002057 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002058 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002058 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002058 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1999241 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1999241 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1999241 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1999232 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1999232 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Tax Transcripts Missing | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors - $XXXX residual income per month, XX months reserves, Low LTV |  | 2 | 2 | 2 | 2 |
| XXXX | 1999232 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Credit Score | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors - $XXXX residual income per month, XX months reserves, Low LTV |  | 2 | 2 | 2 | 2 |
| XXXX | 1999232 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating factors - $XXXX residual income per month, XX months reserves, Low LTV |  | 2 | 2 | 2 | 2 |
| XXXX | 1999232 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002056 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002056 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002056 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008721 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008721 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Waived |  |  |  | Compensating Factors: Borrower has a XXX credit score. Borrower has been self employed for XX years. Borrower has residual income greater than $XXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2008721 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008697 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008697 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008697 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008722 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008722 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Regulations | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008722 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008722 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008722 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008722 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008698 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008698 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008698 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002060 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002060 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002060 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002071 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2002071 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2002071 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002071 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008696 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008696 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008696 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008695 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008695 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008695 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008723 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008723 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2008723 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Credit Score | XXXX | Lender's Exception - Lender allowed the borrower to proceed with the loan, while maintaining a qualifying score of XXX. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - XX months reserves, Low DTI, $XXXX residual income per month |  | 2 | 2 | 2 | 2 |
| XXXX | 2008723 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008701 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008701 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines state that if a property is rented at time of purchase the lease must be provided. The subject is a purchase of a 4 unit property. The appraisal reflects all units are currently lease though no current and executed leases provided. Lender using Market Rent for DSCR calculation. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client approval to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2008701 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002061 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2002061 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002061 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002063 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Missing Signature | XXXX | The Note, Loan Agreement Addendum, and Prepayment Addendum were not executed by any required parties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002063 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument and Rider were not executed by any required parties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002063 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing a fully executed signature for the following loan documents: Note, Guaranty Agreement, Business Purpose Certificate and Occupancy Affidavit, and Final Loan Application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002063 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008702 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008702 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The appraisal SSR's are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008702 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008705 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is inaccurate. The loan file contained two executed Prepayment Addendums with different terms listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see correct PP Addendum that matches the lock.- The previous addendum was incorrect.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008705 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008705 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008704 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008704 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The guidelines indicate all tax liens (federal, state, and local) must be paid off prior to or at loan closing unless theres an established payment plan with a minimum of 2 payments made. The following Tax Liens dated < 20-years of the XX statute of limitations, payable to XXXX County were reflected in the Entity background search: $XXXX dated XX/XX/XXXX, $XXXX dated XX/XX/XXXX, $XXXX dated XX/XX/XXXX, $XXXX dated XX/XX/XXXX, $XXXX dated XX/XX/XXXX and $XXXX dated XX/XX/XXXX. The loan file does not evidence payoff or satisfaction at close. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008704 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject property has 2 units. The lease agreement for Unit 2 reflects the property address as XXXX vs. XXXX as reflected on the Note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Can we please revisit this condition? Please refer to the appraisal comments from appraiser. This property has 2 units with 2 addresses vs unit 1 & 2<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008704 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002062 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002062 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002062 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002065 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002065 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002065 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002066 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002066 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002066 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008706 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008706 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008706 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008710 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008710 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines a first time investor must own primary residence for 12 months during the last 3 years. The borrower has not owned a primary residence. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008710 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan is missing verification of sufficient liability insurance on the subject property as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached quote confirming liability coverage is included. The premium matches as well. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008710 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002067 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2002067 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject loan closed in an entity which has 2 members with each having 50% ownership. Per the guidelines, when a loan closes in an entity, a personal guarantor with a least 51% majority is required. Since neither member has 51% interest in the entity, then both members must be a guarantor. In addition, guarantors must provide a limited application with name, address, DOB, SSN and citizenship, and provide an ID such as a driver's license or passport. A credit report and fraud report, along with authorization to pull, must be obtained with guarantor meeting minimum credit score requirements. The second member, XXXX, signed the Guaranty Agreement, however, the file is missing all the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002067 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002069 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | Note - Incomplete. The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2002069 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not acknowledged by the Borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002069 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002069 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008709 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008709 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008709 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002070 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2002070 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The MLS in the loan file reflects subject property is actively listed for sale as of XX/XX/XXXX. Per the guidelines, listing must be cancelled prior to the Note date for a Rate and Term Refinance. There is no documents in the loan file that supports the listed was cancelled prior to the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | XXX score. Experienced Investor. XX months of reserves. |  | 3 | 1 | 3 | 1 |
| XXXX | 2002070 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998412 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1998412 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1998412 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1998407 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998407 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the background search for the borrowing entity to include liens and judgment search. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998407 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002068 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2002068 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains an exception for the subject being in a rural area when rural properties are not allowed per guidelines. Waived Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XXXX% less then max LTV, Assets exceed required reserves by XX months, FICO score is XX points higher than minimum FICO required. |  | 2 | 2 | 2 | 2 |
| XXXX | 2002068 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008714 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not acknowledged by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2008714 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow Non-warrantable condo with a DSCR below 1.00. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX credit score, excess reserves, XXXX% LTV, |  | 2 | 2 | 2 | 2 |
| XXXX | 2008714 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008713 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008713 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application, an authorization for a credit report and background report as well as identification documents. The loan file contains identification for Non borrowing guarantor XXXX; however, no other documentation was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached guarantor package including the No Hit report for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008713 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for amended Operating Agreement after the application date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico exceeds minimum score required by XX points. Borrower is also an experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 2008713 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2008712 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008712 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The required appraisal SSR's are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008712 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000669 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000669 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The loan was subject to Flood Insurance and the Flood Notice was not in the loan file. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000669 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000669 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2009737 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009737 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The Note is signed by both members of the Entity, XXXX and XXXX. The loan file contains a Background check to include a clear OFAC and identification documents for XXXX; however, no Guarantor Application or credit report was provided additionally a complete SSN was not provided for XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is a non-qualifying guarantor – she is a member and required to be a signer at closing but not a qualifying guarantor. Our guidelines are specific to background/ofac/etc. for business members over 25% but they do not need and are not required to be a qualifier unless they have sole signing authority. Final Loan approval page 7 shows XXX with 50% ownership.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Client request to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> She signed the Note. She is a qualifying guarantor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX and reserves of $XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009737 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000667 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000667 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000667 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000665 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000665 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000665 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009735 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009735 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009735 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000662 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000662 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000662 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001992 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2001992 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | A recent large deposit was made to XXXX XXXX on XX/XX/XXXX with a description of XXXX payment in the amount of $XXXX that was not sourced and/or documented that is more than 25% of the prior statement balance on XX/XX/XXXX of $XXXX which requires sourcing. No letter of explanation in the file. Reducing assets by the deposit results in a funds to close shortage of $XXXX and a reserve shortage of $XXXX (XX months reserves on the subject). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see LOE from our UW.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2001992 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Subject property is a SFR with XXX square feet. Guidelines require a minimum of 700 square feet; guideline not met. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UW comment: GLA under XXX Sq Ft - Appraiser commented that the market supports there is no marketability issue due to the GLA and the deviation is market accepted.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Client request to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Guidelines were not met. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2001992 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000659 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000659 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000659 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001991 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001991 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001991 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000658 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000658 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000658 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009726 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009726 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009726 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009727 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009727 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009727 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009725 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The Loan was subject to Flood Insurance and the Flood Notice was not in the loan file. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2009725 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2009725 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2009724 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009724 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009724 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002002 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002002 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | The loan file contains only 1 page of Ameriprise XX/XX/XXXX statement. Investor guidelines require 30 days of bank statements to be provided to be considered a verified asset. The remaining pages are required. If not included the loan is short $XXXX in reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bank statements attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002002 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009848 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009848 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Missing | XXXX | The Note is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2009848 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The application is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009848 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan is missing documentation verifying the hazard insurance premium for the subject property. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Insurance attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Premium verification attached. <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Client approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Annual premium for the subject property was not documented. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, XX% LTV, $XXXX in reserves and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009848 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000495 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000495 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file is missing current $XXXX lease on the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> and current lease supports $XXXX + $XXXX HOA dues per lease agreement = $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000495 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as Request exception for non-warrantable condo - subject is a new condo project in XXXX containing XX buildings with XX units each = XXX total units. XXX of XX buildings are insured at XXXX or $XXXX per unit including subject building at XXXX. The other XX buildings have a combined XXXX in coverage or roughly $XXXX per unit. Exception to allow the coverage: the insurance agent stating subject building is insured at replacement cost and is special form. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client has approved to waive based on compensating factors. (Waived)<br>**  |  | XXX FICO; XX months reserves; XX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2000495 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000494 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Occupancy Affidavit. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000494 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | File documentation included an email from the origination lender to the investor requesting a lender exception to the guidelines for XXXX DSCR. The email indicated that the exception had been approved; however did not provided details of the guidelines that was not met/reason for the exception. Unable to cite or validate exception without the full lender exception information. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Email with approved exception from XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000494 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The investor guidelines required a signed Borrower Certification of Occupancy. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Document provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Occupancy cert provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing occupancy certification. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000494 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000494 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000499 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The loan agreement addendum is missing the lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000499 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000499 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000497 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000497 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Qualifying Rent. Subject is a short-term rental cash-out refinance. Request to use market rents from appraisal to qualify instead of management company report as borrower owns the management company providing the rent receipt history. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception from XXXX provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX stated "If it's as much as the market rents I'm okay with it. But if it's lower I'd want to use the lower figure." We were approved using the lower of the market rent or mgmt history <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation provided does not illustrate an exception granted by Ellington. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Additional information is required after speaking to the Investor. Correspondence has been sent. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Client has approved request to waive based on compensating factors. (Waived)<br>**  |  | Comp Factors - XXX FICO and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000497 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000496 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000496 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Qualifying Rent. Subject is a short-term rental cash-out refinance. Request to use market rents from appraisal to qualify instead of management company report as borrower owns the management company providing the rent receipt history. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception email attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor does not indicate a finalized exception. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client has approved Lender Exception to waive based on compensating factors. (Waived)<br>**  |  | Comp Factors - XXX FICO and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000496 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000508 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the PCCD issued on XX/XX/XXXX is incomplete due to the following: It was not disclosed if the Borrower declined or if the Lender does not offer an escrow account. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000508 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM stopped within 10 days of closing provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000508 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000509 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000509 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file for subject property being vacant on a cash-out refinance transaction. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per refi guidelines exception not needed: Vacant properties as indicated by the appraisal report are able to use the appraisal form 1007 alone for rents and a copy of a lease will not be required. pg 29 of guides - please review<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The IEC (internal exception code) that is referenced is forour team to know what investors might have a layover with this guide line.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Review of guidelines does state that on vacant properties the form 1007 can be used for rents and a copy of a lease is not required. It also in the bullet below that guideline states "Internal Exception Code 1048.10 applies". Thus the reason for the Lender Exception in file. Lender Exception needs to be approved by investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client does not have an overlay in regards to this therefore the lender exception is not required. (Resolved)<br>**  |  | Compensating factors - FICO of XXX and LTV of XXXX% |  | 3 | 1 | 3 | 1 |
| XXXX | 2000509 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002117 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002117 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Rental income used for the DSCR calculation was generated from an LOE from the borrower reflecting total rents for the 3 units of $XXXX. The LOE indicated that there were not written leases. A bank printout from XXXX, account number ending in XXXX was provided to support rental income received. The printout did not have an owner's name on the printout. The investor guidelines required leases on each unit to support and calculate the DSCR. The required leases and the XXXX printout with account holders name were not provided. The Underwriter Loan Summary referenced an approved exception for rents updated; however, the exception form with full details of the exception was not provided. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception form provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception approved by XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002117 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009838 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009838 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009838 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | Subject loan is a purchase of a newly built property. Current property taxes were on the land only. Origination used a monthly payment for taxes of $XXXX. Documentation to support the subject property's current property tax amount to include the calculation method (if applicable) of the monthly property taxes was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Taxes are XXXX% of the purchase price for XX new construction per guidelines XXXX\*XXXX%/XXXX=$XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009838 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | Lender exception provided as commercial real estate property income from both business was utilized which is an ineligible form of income for bank statement income. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Credit score is above the minimum required by XX points or greater, self-employed for XX years or greater, XXXX for XXX months for mortgage history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009838 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000478 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000478 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000478 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000493 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000493 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000493 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000493 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000481 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000481 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000481 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects aborrower name of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Proof that the name of the appraisal of XXXX; is the same as XXXX per the XX Secretary of State business entity search. The appraisal should be acceptable as is due to the correlation<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2000481 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain evidence of hazard insurance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000481 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002115 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note incomplete: The Prepayment Addendum is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002115 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2002115 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2002115 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The guaranty agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002115 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000479 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000479 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The origination appraisal was completed for Kind Lending. The appraisal transfer letter was not provided as required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Our guidelines do not require a transfer letter, please clear this condition<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A review of the guidelines dated XX/XX/XXXX do not require a transfer letter for an appraisal transfer. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000479 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Total required funds for the transaction were $XXXX. Required reserves were $XXXX. Required closing funds, including the EMD and the POC's were $XXXX, resulting in remaining funds for reserves in the amount of $XXXX. Borrower's funds were short $XXXX in reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> As per Final signed closing Disclosure, the required assets including closing cost $XXXX Total assets verified : $XXXX Reserves required: $XXXX (X months subject PITI) Assets after closing: $XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Client has approved exception to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Total funds required: $XXXX POC + $XXXX EMD + $XXXX cash to close + $XXXX reserves = Total required funds of $XXXX. Total funds available: XXXX Savings $XXXX + XXXX Checking $XXXX + Cleared EMD $XXXX = $XXXX Total available funds. Shortage of $XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Comp Factors - XXX FICO and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000479 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower indicates Non-Permanent Resident Alien status; however, the file did not contain borrower's acceptable XXXX or unexpired employment authorization (EAD, Form I-766) as required per the guidelines. The file indicated there was an exception made for not having the required form; however, the actual exception is not reflected in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> EAD documentation provided showing immigrant worker expiring in XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2000479 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is a purchase transaction with borrower being a First-Time Investor and DSCR .922. Per the guidelines, the minimum DSCR allowed is 1.0 for First-Time Investors. The loan file indicated there was an exception made for DSCR <1; however, the actual exception is not reflected in the file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Emailed exception provided <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> The exception states for the DSCR being less than 1, in which it was still approved<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> The email states an exception request for "Non-Perm Res Alien with DSCR score less then 1.0" and email confirming investor was OK with it<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received does not illustrate an exception from Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Email chain does not contain Investor exception for FTHB with DSCR less than 1. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Most recent documentation received XX/XX/XXXX. Specific exception not approved by Investor. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The only exception specified on the email is the $XXXX asset shortage. There needs to be a request for FTHB non-perm with DSCR less than 1, not only Non-perm but FTHB as well. The person granting the exception must grant that specific exception. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp Factors - XXX FICO and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000479 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Subject property is located in XXXX. The investor's prepayment penalty guidelines for XXXX allowed a prepayment penalty of 5% of the original principal balance. The prepay addendum to the Note required 6 months of interest on the amount prepaid that exceeds 20% of the original principal balance of the loan. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Correct guidelines provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Guidelines dated XX/XX/XXXX were provided and allow for a prepay in XXXX of XX months interest on amount prepaid in excess of XXXX% of the original principle balance. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000479 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000482 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000482 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000482 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | he appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002116 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002116 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002116 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000477 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000477 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000477 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000547 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000547 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000547 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002113 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002113 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002113 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000476 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000476 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000476 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000546 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000546 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file; therefore, the increase to the following fee was not accepted: Appraisal fee on the revised LE issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2000546 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Credit monitoring attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000546 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The subject transaction was a purchase of a new primary residence with the borrower having ownership in his exit residence on XXXX. Underwriter commentary on Underwriter Summary indicated the exit property would not sell prior to subject transaction and that the PITIA of this property was included in the DTI. Total liabilities at origination did not include the PITIA as required, increasing the DTI to XXXX% and exceeding the maximum allowed per the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Including departure residence payment we have 50% DTI - total debts $XXXX= XXXX - please review for consideration<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached 1008 & 1003 to evidence departure PITIA being included <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Exception uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation reflecting origination updated calculations not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Income and subject mortgage payment are agreed upon. Origination combined departure payment and other debt of $XXXX per month are lower than $XXXX combined departure payment and other debt calculated at origination. It appears Originator excluded departure residence HOA fee from calculation. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX months of reserves. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000546 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000548 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000548 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000548 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005447 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2005447 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2005447 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000543 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000543 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Reserves were required in the amount of $XXXX. The final application and UW Approval indicate reserves in the amount of $XXXX coming from cash-out proceeds of a refinance of another property. The file is missing documentation verifying the assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000543 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The file contains a lender exception for XXXX% LTV whereas max is 70% after 5% reduction for a rate and term refinance of a vacant property. The required prior lease was provided verifying property was previously rented. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception email<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO XXX above minimum by XX points or greater, no mortgage late payments in the last XX months |  | 3 | 2 | 3 | 2 |
| XXXX | 2000543 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005448 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005448 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005448 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000541 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000541 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000541 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000540 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000540 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Appraisal Transfer Letter from XXXX to XXXX was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We don't require the appraisal to be put in our name, therefore do not require the transfer letter.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000540 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The subject tenancy as reflected by Title, Appraisal, and statement, is leasehold, which is ineligible. There is no evidence that the ground rent was bought out at closing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Exception approved by XXXX provided <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Occupancy cert confirms the borrower will not be occupying it<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received does not illustrate an exception granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor requires surety that the borrower will not be occupying for the exception to valid. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000540 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000538 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000538 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000538 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000542 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000542 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000542 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002114 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002114 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file contains a lender exception allowing to use the appraised value when the property was purchased XX/XX/XXXX for a lower amount with minimal improvements. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Originator exception uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor exception uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Good Mortgage Payment History- Good FICO XXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002114 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Investor guidelines require documentation supporting all mortgages have been paid that are due in the month prior to the note date. The subject note date is XX/XX/XXXX. The loan file does not contain documentation of the XXXX Loan payments for XXXX XXXXX, XXXX XXXX, and XXXX XXXX XXXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing Coastal Federal CU. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002114 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing a Mortgage Payoff Demand/ Letter for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> payoff<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002114 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file contains a lender exception allowing for the only natural person borrower on the loan to be XXXX% ownership while investor guidelines require a minimum of 50%. Client to approve downgrading finding based on compensating factors. ? | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor exception uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Good Mortgage Payment History- Good FICO XXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002114 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000537 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000537 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000537 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender exception in file to allow the borrower to evidence 6 months of PITIA reserves as opposed to the 12 months reserves required when waiving escrows. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client approval to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - FICO of XXX and LTV of XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000537 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000536 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000536 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000536 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The Mortgage, Note, Business Purpose, Occupancy Affidavit etc... are completed with the borrowing entity name of XXXX, however the business entity documentation in the loan file reflect the name XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please advise what documents need re-done and if it is acceptable to cross out and initial the corrections on the documents (other than the original note and DOT that will be redone) <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Corrected closing docs - corrected original note will be sent and the updated DOT is being sent by title to be re-recorded<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Please see the attached corrected documents, the DOT is being re-recorded and the original note will be sent over. Please confirm only item now missing is the corrected original note. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please correct the Mortgage, Note, Business Purpose, Occupancy Affidavit. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Yes, Business Purpose and Occupancy Affidavits can be crossed out, corrected, and initialed. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000536 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file to allow the borrower to evidence 6 months of PITIA reserves as opposed to the 12 months reserves required when waiving escrows. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client approval to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors - FICO of XXX and LTV of XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2000536 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002111 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2002111 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) and Riders is incomplete: - The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2002111 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Lender exception in file to allow 6 months reserves with escrows waived. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client approval to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXX FICO, XXXX% LTV, XXXX month housing history |  | 3 | 2 | 3 | 2 |
| XXXX | 2002111 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000534 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000534 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust), and Riders are incomplete: The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000534 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file to allow the borrower to evidence 6 months of PITIA reserves as opposed to the 12 months reserves required when waiving escrows. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client approval to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX FICO, XXXX% LTV, XXXX month housing history |  | 3 | 2 | 3 | 2 |
| XXXX | 2000534 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002109 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Legal Addendum(s) are missing: Legal Description/Exhibit A | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002109 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002109 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000530 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000530 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000530 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000533 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000533 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000533 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000531 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the PCCD issued on XX/XX/XXXX is incomplete due to the following: It was not disclosed if the borrower declined or if the lender does not offer an escrow account. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000531 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM provided showing it was ran up until XXXX XX days prior to closing<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000531 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002110 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002110 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002110 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000532 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Prepayment Addendum is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000532 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000532 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002108 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002108 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property Income | XXXX | The lease on the subject property expired the day of the subject loan closing on XX/XX/XXXX. The lease does reflect the option of renewal. Current lease or evidence lease went month-go-month along with 2 months bank statements supporting rental income of at least $XXXX not provided. Further, the lease not executed by tenant(s) and landlord. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Lease provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002108 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | A title commitment to contain a 24-month title history is required for all loans and must be dated within 90 days of the note date which is missing from the file. The file does contain the title policy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002108 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002107 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002107 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan is a occupied refinance with the lease amount listed as $XXXX. The loan file does not contain a copy of the lease to verify amount used to qualify. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Expiration date of XX/XX/XXXX but states it automatically renews on a month-to-month basis and supports rental amount<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002107 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000535 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000535 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000535 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | A portion of the closing funds were from gift funds in the amount of $XXXX. A gift letter was provided and a written statement from the Escrow Company stating gift funds of $XXXX were received from the gift donor. The gift funds were not reflected on the Closing Disclosure. The investor guidelines required evidence of certified funds payable to the closing agent, Closing Disclosure reflecting receipt of the donor's check and source of the funds needed to be from an institution verified by the Office of the Comptroller of the Currency (OCC). Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000535 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | The investor guidelines required a 12 month VOR and canceled checks if paid to an party other than a professional management company. Borrower has currently rented for 7 months and lived with ex-spouse previously. The VOR was not provide and it was unknown in the landlord was a private individual or a professional management company. A letter of explanation was provided and indicated that Venmo statements were provided to support the 7 months of rents paid. Documentation was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000535 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | he appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005442 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005442 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Investor guidelines state a the DSCR will be calculated using the lessor of the market rents or the current lease for the subject property. The appraisal indicates the subject is currently tenant occupied and loan documentation states the current lease amount as $XXXX however the loan file does not include a copy of the current lease to verify amount used to qualify. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005442 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002106 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002106 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002106 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009844 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009844 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject was a cash out refinance. The DSCR was calculated at origination utilizing the monthly lease income. Notes on the UW summary indicated the lease was provided at $XXXX per month. The required lease was missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide XXXX Real Management property management agreement. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Guide does not list Property Management Agreement as a requirement. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009844 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000520 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000520 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000520 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000521 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000521 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000521 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000526 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000526 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000526 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002105 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002105 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided for DSCR of XXXX% under XX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX for XXX months on current mortgages, Credit score is above minimum by XX points or greater. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002105 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000523 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000523 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000523 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000524 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000524 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as subject loan does not meet Program Parameters for LTV. The subject loan closed as a No Ratio loan with a DSCR under XXX, with an LTV of XXXX%. Per guidelines, the maximum LTV for a No Ratio loan is XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception from XXXX provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Exception from XXXX provided <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Client has approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received does not illustrate an exception from Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The email chain does not address an Investor exception for LTV. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Client approved waive based on compensating factors. (Waived)<br>**  |  | Compensating factors: FICO of XXX and XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000524 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005433 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005433 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005433 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000522 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000522 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | A portion of the required reserves coming for XXXX asset XXXX. Guidelines on reserves require the terms of withdrawal for an employer sponsored plan and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000522 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The file is missing a copy of the filed articles of organization for XXXX as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LLC docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing Articles of Organization. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000522 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The subject contains 4 units. The file only contains a partial lease for what appears to be for 1 unit with just pages 6-11. Please provide complete executed leases for all 4 units. If leases are month-to-month, provide 2 months bank statements to support the monthly rental income (based on the appraisal monthly rents, appears the Bank of America statements reflect rents received from units 1 and 4). Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000522 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002100 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002100 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002100 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000525 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000525 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000525 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000514 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000514 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contain an extended fraud alert on the TransUnion file. The investor guidelines required the borrower to complete the FACTA Fraud Alert Verification form to independently verify the borrower's identity before issuing a clear to close. The required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Verification provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000514 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | the investor guidelines required at least one borrower to have a minimum of XX credit scores. Subject transaction had only one borrower with credit reflecting only XX credit scores (XX and XX). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client request to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, XX% LTV, $XXXX in reserves and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000514 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000518 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000518 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The subject note reflects the entity borrower to be XXXX; however, the entity documentation in the loan file is for XXXX. The loan file does not contain any entity documentation for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached is a copy of the corrected note & DOT signed with the correct LLC name - DOT will be re-recorded and the original note is being sent to you tracking #XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000518 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000513 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000513 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000513 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000513 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000519 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Title Endorsement Fee . A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lender cert provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Total Initial LE fees = $XXXX and the allowable 10% tolerance is $XXXX (XXXX \*XXXX%) Fees on the final CD = $XXXX title fees and $XXXX recording. $XXXX-$XXXX = $XXXX under the initial LE baseline and therefore no tolerance violation occured.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Initial LE showing total fees of $XXXX Final CD provided showing final fees at $XXXX<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> In general, these are all Title Services and as such are still all included in the 10% calculation. The guidance uses services such as "pest inspection" in the example, which isn't the same as a title related service. As such, anything with "Title –" falls into the same category. <br>Rebuttal 5 (XX/XX/XXXX XX:XXPM)<br> Docs provided for cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The explanation provided is not sufficient to cure the finding. The baseline of fees tested at 10% tolerance on the LE issued on XX/XX/XXXX is $XXXX. This includes all title fees disclosed in section C in the total amount of $XXXX and the recording fee of $XXXX. It appears the addition of the Title - Endorsement fee of $XXXX without a valid COC is resulting in the 10% tolerance violation. A cost to cure in the amount of $XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The referenced documentationwas not received. Please provide for review.(Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The explanation provided is not sufficient tocure the finding. If a disclosed fee listed on the LE that was originally in the 10%bucket is not charged on the Final CD, then it has to be removed from the totalamount in the 10% bucket for good faith comparison purposes. To include a feethat is not charged would be considered padding. The following fees were disclosed on the Initial LE but not charged on the Final CD: Title - Closing Fee in the amount of $XXXX and the Title - Title Survey Fee in the amount of $XXXX. The baseline is $XXXX. Please provide a valid COC for the addition of the Title - Endorsement fee in the amount of $XXXX. The A cost to cure in the amountof $XXXX remains. (Upheld)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Clientto Provide documents/response when issued. (Upheld)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2000519 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000519 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005435 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005435 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005435 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000507 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000507 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000507 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009842 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009842 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009842 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000510 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000510 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000510 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000504 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000504 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000504 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000503 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000503 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | The articles of incorporation that support the lender exception are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000503 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | Lender exception in file for "borrower does not have operating agreement however article of incorporation show no other owners" for access to the business account funds. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Client approval to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXX months reserves, XXXX months housing history, FICO XXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2000503 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000506 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000506 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000506 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000491 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000491 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000491 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005421 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005421 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005421 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009834 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009834 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009834 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005423 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005423 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005423 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002098 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002098 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002098 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005424 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005424 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The maximum LTV for a short term rental is XXXX%; however, seller concessions of $XXXX exceed the actual costs of $XXXX for an LTV adjustment of XXXX%, due to excessive concessions ($XXXX). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX DSCR. XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2005424 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000487 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000487 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000487 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000490 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000490 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000490 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002096 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002096 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002096 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000489 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000489 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000489 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000501 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000501 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000501 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000500 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000500 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000500 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000485 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000485 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000485 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005425 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding HUD-1, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2005425 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2005425 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2005426 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005426 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | The borrower received gift funds in the amount of $XXXX reflected on the Closing Disclosure. Gift letter was provided; however, investor guidelines required proof of 60 days seasoning and sourcing of funds. The file did not contain the required proof of the source account supporting sufficient funds to provided the gift. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We have flexibility with spouses - they can do a gift and document as such with a gift letter and transfer of funds OR we can treat it as NOT a gift and pooled funds by fully documenting the source.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Gift Letter present and Gift Funds wired to title company. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2005426 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005426 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000484 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000484 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000484 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005427 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005427 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005427 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005445 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Trust Missing | XXXX | Title to the Property is held in Trust, but the Trust Document is missing. Unable to determine if signatures on Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005445 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Trust Missing | XXXX | Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005445 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The file did not contain an application for review. Additional conditions may apply once received. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No 1003 for this loan product, information provided as it was submitted through the TPO portal and this is all that is available. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005445 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The loan vesting is in an XXXX (XXXX). Guidelines require a copy of the trust agreement for the state of XXXX; however, was not provided in the file for review. Additional conditions may apply once received. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Executed trust agreement provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005445 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009840 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Entity name is blank on Exhibit B of the Loan Agreement. The Authorized member signature is provided on the incorrect signature line. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> corrected exhibit a provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Provided with name printed<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Doc provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Exhibit B has been signed by the individual; however, the printed name of the individual is missing. Please provide an updated Exhibit B with the borrowers printed name and executed by the borrower. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009840 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2009840 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | The loan file does not contain any asset documentation. The loan requires $XXXX in cash to close plus $XXXX in reserves. The UW notes indicate cash to close will be coming from a consecutive cash-out refinance however the documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD from con-current file provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009840 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No 1003<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009840 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009839 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009839 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009839 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005439 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2005439 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing (initial missing as well). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a BP loan, 1003 is not required. Attaching for information only<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005439 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005434 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2005434 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Prepayment addendum is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005434 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005434 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009837 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009837 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009837 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002093 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: The Closing Disclosure was not received by the borrower prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated on XX/XX/XXXX after the consummation of XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(f)(2)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> econsent<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Closing docs were drawn on XXXX (had XXXX disbursement date) and did not end up disbursing until XXXX - due to this another CD was issued and signed on XXXX date of disbursement <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The e-consent for the borrower has been provided. There wee 2 CD issued on the day of consummation, XX/XX/XXXX. The first CD issued on XX/XX/XXXX was wet signed on XX/XX/XXXX. The second CD issued on XX/XX/XXXX was e-signed on XX/XX/XXXX, after closing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002093 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The lender guidelines required a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002093 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | A gift letter for $XXXX and the donor's bank account statement was provided supporting sufficient funds to provide the gift. The investor guidelines required proof that gift funds had been transferred to either the borrower or to the closing agent. Required documentation to support the transfer of funds was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Gift<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002093 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002091 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002091 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002091 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005432 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005432 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> BP loan - no 1003 needed - printed for information only <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005432 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property Income | XXXX | File contains XX leases for the subject XX unit property that have converted to month-to-month. Guidelines require XX months bank statements to support rental income when a lease has been converted to a month-to-month lease. The file contains a bank statement with XXXX XXXX reflecting receipt of rent for units XXXX but not unit XX, and only XX month bank statement when XX months verification of rent required. Guideline not met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please review guides, the guides referenced are for Investment 5-9 units<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Provide commentary from the appraiser that the leases were reviewed or provide a copy of the leases. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Upon further review, the leases in file are sufficient along with the other documentation. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005432 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | The initial application reflects the borrower currently residing at a rental residence for over 2 years. If rental history not reported on the credit report a VOR is required. If VOR provided by private party or non-institutional lender, alternate documentation to be provided to verify 12 months rental payments. VOR missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005432 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009835 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2009835 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 1003 provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009835 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan closed with an LTV of XXXX% while having a DSCR of XXXX. Guidelines stipulate for loans with a DSCR under XXX, the maximum LTV s XXXX%. Client to approve downgrading based in compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exception provided for DSCR < 1. Per guidelines version XXXX of up to $XXXX (this loan amount is less than) and a FICO of at least 740 (this FICO is XXX) has a max LTV of 75% which the file reflects <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Updated guidelines provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The DSCR is less than 1. Please provide the updated guidance. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Updated guidelines dated XX/XX/XXXX and before subject loan closed and provided. Max LTV allowed is 75% on rate and term. Lender exception approved by client as well. (Waived)<br>**  |  | Compensating factors: FICO of XXX and XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009835 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005443 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2005443 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The file did not contain an application for review. Additional conditions may apply after receipt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The 1003 is not applicable to this loan type. The information is submitted through our TPO portal by the broker. Screenshots have been provided of the information, as this all we can provide.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005443 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005437 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2005437 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2005437 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan application is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a BP loan, 1003 is not required. Attaching for information only <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005437 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005436 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005436 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005436 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005449 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005449 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | A 4506-C is required for the borrower (W2 transcripts only) and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX provided in lieu of 4506-C<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005449 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require verification of the insurable replacement cost, the Replacement Cost Estimator (RCE) or equivalent documentation from the insurance company per applicable law in order to determine that the amount of coverage provided is sufficient to replace the improvements (dwelling plus other structures) and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005449 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment does not contain a chain of title for the last 24 months as required by the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005449 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005438 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005438 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005438 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009845 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009845 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No 1003 as this is a business purpose, provided 5 pieces of information provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009845 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |

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## Exhibit 99.64

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.64**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 2008723 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008721 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008722 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2011734 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2002071 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1939645 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1973955 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 1979074 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1968388 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 2 | 4 | 1 | 2 | 2 | 1 | 1 D B A |
| XXXX | 1952331 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1925314 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1969256 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1808531 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 1987123 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1989441 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 1992338 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 1998409 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1998412 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1914005 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1914010 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1930420 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1873760 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 1900208 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2008713 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2002053 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008693 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2008704 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008712 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008695 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1999236 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2002056 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008701 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2002066 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1999234 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1999235 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1998376 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008682 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2002060 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002062 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1998365 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2002070 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008698 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008684 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2002067 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008696 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008710 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008714 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 1999239 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002061 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008709 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002065 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1999241 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2002054 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002057 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002058 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008702 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008706 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008697 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2002052 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008683 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008685 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008688 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2002069 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2002063 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2002068 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 1985201 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1968428 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998375 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1995635 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998366 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998407 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1998361 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995614 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 1995645 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995627 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995638 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1998396 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995611 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1998363 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1995621 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995601 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1995639 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995616 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1995613 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1995631 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1995603 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995629 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 1998388 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 1995602 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
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| XXXX | 2000541 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2002116 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000476 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000509 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2000500 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000499 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2000514 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000547 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000495 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2000497 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000496 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000493 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2000481 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2002115 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2000520 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000523 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000478 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000537 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2000536 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2000510 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000504 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000543 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000538 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000530 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000485 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000506 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000494 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2000521 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000533 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000524 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000491 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000548 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000542 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000540 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000518 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2000513 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2000479 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000546 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2000531 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2000477 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2000519 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 1996913 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2000669 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2000658 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000665 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000667 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009737 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000659 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001992 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000662 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001991 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009726 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009727 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009724 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009725 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2009735 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.65

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.65**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 1693681 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1808531 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.676% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1873760 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1885340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1885348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1900208 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1914005 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1914010 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1916054 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916059 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916098 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1925314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1930420 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1939645 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1944932 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947935 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947938 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947958 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947983 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947999 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1948050 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1952331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964185 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964246 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1968388 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1968428 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1969256 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1973955 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1979074 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1980279 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1985201 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1987123 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1989441 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1992338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993126 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993127 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.125% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993128 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993129 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993130 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993132 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993135 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993136 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993138 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993139 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993140 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993143 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993144 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993145 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993147 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993153 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993154 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993162 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993165 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993168 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993169 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993174 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993176 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993223 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993224 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995044 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995050 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995051 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995601 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995602 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995603 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995611 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.621% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995613 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995614 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995615 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995616 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995621 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995627 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995629 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.392% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995631 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995635 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995638 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995639 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995643 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995645 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1996913 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1996964 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996965 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996966 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996969 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996970 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996971 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996972 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996973 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996974 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996976 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.634% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996977 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996979 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996985 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996986 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998375 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998376 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998388 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998396 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998407 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998409 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998410 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998411 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998412 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999232 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999233 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999234 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999235 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999236 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999239 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999241 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.415% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000476 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000477 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000478 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000479 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000481 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000482 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000484 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000485 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000487 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000489 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000490 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000491 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000493 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000494 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000495 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000496 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000497 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000499 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000500 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000501 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000503 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000504 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000506 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000507 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000508 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000509 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000510 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000513 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000514 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000518 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000519 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000520 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000521 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000522 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000523 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000524 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000525 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000526 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000530 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000531 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000532 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000533 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000534 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000535 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000536 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000537 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000538 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000540 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000541 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000542 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000543 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000546 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000547 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000548 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000658 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000659 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000662 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000665 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000667 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000669 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001991 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001992 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002002 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.762% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002052 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.650% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002053 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002054 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002056 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002057 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002058 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002060 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002061 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002062 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002063 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002065 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002066 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002067 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002068 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002069 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002070 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002071 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002073 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.042% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002074 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 3.099% | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002076 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002078 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.704% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002080 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002091 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002093 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002096 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002098 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002100 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002105 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002106 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002107 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002108 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002109 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002110 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002111 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002113 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002114 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002115 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002116 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002117 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003871 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003872 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003873 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003875 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.471% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003879 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003884 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003885 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005421 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005423 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005424 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005425 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005426 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005427 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005432 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005433 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005434 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005435 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005436 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005437 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005438 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005439 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005442 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005443 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005445 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005447 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005448 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005449 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2007274 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007277 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007281 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.985% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007285 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007290 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.143% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007291 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007292 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007293 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007295 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007296 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007300 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007301 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007302 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007303 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007304 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007305 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007306 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007308 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007311 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.364% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007315 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007319 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007321 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007322 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007323 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007325 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -15.049% | XXXX |  | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007326 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.118% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007328 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007330 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007331 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.901% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007332 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007335 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004C | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007337 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007339 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007342 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007343 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007344 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007345 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007348 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007349 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007350 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007353 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007355 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007356 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007359 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007365 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008682 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008684 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008685 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008688 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008693 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008695 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008696 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008697 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008698 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008701 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.615% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008702 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008704 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008705 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008706 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008709 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008710 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008712 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008713 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008714 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008721 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008722 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.876% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008723 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009724 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009725 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009737 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009834 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009835 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009837 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009838 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009839 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009840 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009842 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009844 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009845 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003884-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003884-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.66

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.66**

---

| | | |
|:---|:---|:---|
| **Report Pulled:** | 5/28/2025 |  |
| **Loan Count:** | 337 / 343 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 26 | 7.72% |
| Appraised Value | 5 | 1.48% |
| CLTV | 4 | 1.19% |
| Debt Service Coverage Ratio | 120 | 35.61% |
| First Payment Due Date | 2 | 0.59% |
| Loan Purpose | 11 | 3.26% |
| LTV | 29 | 8.61% |
| Maturity Date | 2 | 0.59% |
| Occupancy Type | 1 | 0.29% |
| Original Interest Rate | 2 | 0.59% |
| Original Loan Amount | 2 | 0.59% |
| Original Qualifying FICO Score | 21 | 6.23% |
| Origination/Note Date | 23 | 6.82% |
| Originator Back-End DTI | 27 | 8.01% |
| Property Type | 17 | 4.96% |
| The Original Principal and Interest Payment Amount | 2 | 0.59% |

---

## Exhibit 99.67

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.67**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 5/28/2025 |  |  |  |  |  |
| **Loan Count:** | 337 / 343 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 1993223 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002074 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002074 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002080 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002080 | XXXX | Property Type | SFR | Townhouse |
| XXXX | XXXX | 2002078 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002076 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 1885348 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1885340 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1885340 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1947958 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1948050 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1916054 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1916054 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1996971 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1996971 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1964246 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1964246 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1964246 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1947983 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1964185 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 1964185 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1964185 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 1964185 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 1964185 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 1947999 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007330 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1993169 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1980279 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993168 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 1993174 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007342 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1993176 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1996979 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996979 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1996979 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2003885 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2003885 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007325 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996985 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007311 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003884 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003884 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2003884-01 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2003884-02 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2007308 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007308 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993147 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1995050 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996969 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1996969 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1996969 | XXXX | Property Type | Planned Unit Development (PUD) | 1 Family Attached |
| XXXX | XXXX | 1993144 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993144 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993144 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993144 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 1996966 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996966 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2007293 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2003879 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1996964 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996964 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993136 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 1996965 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007281 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007281 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1996977 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1996977 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996977 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993135 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993138 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995044 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007277 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007365 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2007364 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007364-01 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007364-02 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007364-03 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007364-04 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007363 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1993132 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2003875 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993130 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1993130 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1996976 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1993126 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007360 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007360 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2007358 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007358 | XXXX | Loan Purpose | Refinance (Rate/Term) | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 1996974 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007355 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007356 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1993127 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2003873 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003873 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1996973 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003871 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003871 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007349 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007349 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2007349 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2007348 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007343 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007337 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007332 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007319 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007305 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007305 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2007305 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007306 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007302 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007301 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2007290 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003872 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2003872 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003872 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2003872 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007285 | XXXX | Property Type | Detached SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2007284 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1693681 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1900208 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 1900208 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 1900208 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1925314 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1925314 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1808531 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1998360 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998360 | XXXX | Property Type | Condominium - Mid Rise | Condotel - as defined in issuers Underwriting Guide |
| XXXX | XXXX | 1999233 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1914005 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1873760 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1914010 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1914010 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1930420 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1944932 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1969256 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1939645 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1995601 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1952331 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1968388 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1973955 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1999234 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1999234 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999235 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1999235 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999235 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1999235 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995602 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995602 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1979074 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1995603 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1968428 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1987123 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1998365 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999236 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999236 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 1995611 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995614 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998361 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995613 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1989441 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1995615 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1995615 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 1995615 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 1995615 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995615 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1995615 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1992338 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1995616 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998363 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998363 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1985201 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998409 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1998366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995621 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998375 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998375 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998410 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1998376 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008682 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995631 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1995631 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998411 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2008684 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008683 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008685 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995629 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995627 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995627 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995635 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002052 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2002052 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998388 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998388 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2008688 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995638 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002053 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995639 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011734 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2011734 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1998396 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995643 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995643 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1999239 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995645 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995645 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2008693 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002054 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2002054 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2002054 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002054 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2002057 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002058 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999241 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999232 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2002056 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008721 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2008697 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008722 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2008698 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002060 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002071 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2002071 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2008696 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008695 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008723 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2008701 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008701 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002061 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2002061 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002063 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008702 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008702 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008705 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008704 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002062 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002062 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002065 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002066 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008706 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008710 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002067 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002069 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2002069 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008709 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002070 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998412 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1998407 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002068 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008714 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008713 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008712 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000662 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2001992 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009724 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002002 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2002002 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002002 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2002002 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2009848 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000496 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000493 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000493 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000481 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000481 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2002115 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002115 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000476 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000542 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002111 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000534 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000531 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000535 | XXXX | Occupancy Type | Second Home | Owner Occupied |
| XXXX | XXXX | 2005442 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2005442 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2002106 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000514 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000514 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000518 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2000507 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2005424 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000500 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2005445 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2002093 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2005438 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009845 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |

---

## Exhibit 99.68

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.68**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 1993223 | 30 Year Fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993224 | 30 Yr fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002074 | 30 Year Fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002080 | 30 Year Fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002078 | 30 Year Fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002076 | 30 Year Fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002073 | 30 Year Fixed | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1885348 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1885340 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947958 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916098 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947935 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1948050 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947938 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916059 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916054 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996971 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964246 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947983 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964185 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947999 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007330 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993169 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993165 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1980279 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993168 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007339 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993174 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007328 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007342 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993176 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996979 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003885 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993162 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007326 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007325 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993154 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996985 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007311 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996970 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007323 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995051 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003884 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993153 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007308 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993147 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995050 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996986 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007296 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996969 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993144 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996966 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993143 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993145 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007293 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003879 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993140 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007295 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996964 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993136 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996965 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007292 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007291 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996972 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993139 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen | U.S. Citizen | U.S. Citizen | XXXX | XXXX | XXXX | XXXX | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007281 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996977 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993135 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993138 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995044 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007274 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007277 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993129 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007365 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007363 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993132 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003875 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993130 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996976 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993126 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007360 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007359 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007357 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007358 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996974 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007355 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007356 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993127 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007353 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003873 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996973 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007350 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003871 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | XXXX | XXXX | XXXX |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007349 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007348 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007345 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007344 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007343 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007337 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007335 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993128 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007332 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007331 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007322 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007321 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007319 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007315 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007305 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007306 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007303 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007304 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007302 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007301 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007300 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007290 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003872 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007285 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1693681 | AHL WS Rising Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Non-Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1900208 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1925314 | AHL CORR - NON-DEL All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1808531 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998360 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996913 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999233 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1914005 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1873760 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1914010 | AHL WS Prime Star - Fixed 40 Yr I/O | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1930420 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1944932 | AHL WS Rising Star - Fixed 30 Yr | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1969256 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1939645 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995601 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1952331 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1968388 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1973955 | AHL WS Rising Star - Fixed 30 Yr | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999234 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999235 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995602 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1979074 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995603 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1968428 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1987123 | AHL WS Rising Star - Fixed 30 Yr | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998365 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999236 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995611 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995614 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998361 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995613 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1989441 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995615 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1992338 | AHL WS Rising Star - Fixed 30 Yr | Full Doc | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995616 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998363 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1985201 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998409 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998366 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995621 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998375 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998410 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998376 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008682 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995631 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998411 | AHL WS All Star - Fixed 30 Yr | Alt Doc | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008684 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008683 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008685 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995629 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995627 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995635 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002052 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998388 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008688 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995638 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002053 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995639 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011734 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998396 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995643 | AHL CORR - NON-DEL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999239 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995645 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008693 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002054 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002057 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002058 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999241 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999232 | AHL WS All Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002056 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008721 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008697 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008722 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008698 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002060 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002071 | AHL WS All Star - Fixed 40 Yr I/O | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008696 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Resident-Alien | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008695 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008723 | AHL WS Rising Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008701 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002061 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002063 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008702 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008705 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008704 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002062 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002065 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002066 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008706 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008710 | AHL Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002067 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002069 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008709 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002070 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998412 | AHL WS Rising Star - Fixed 30 Yr | Personal Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998407 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002068 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008714 | AHL WS Invest Star - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008713 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008712 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000669 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009737 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000667 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000665 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009735 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000662 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001992 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | Permanent Resident-Alien | Permanent Resident-Alien |  | XXXX | XXXX | XXXX |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000659 | Single Property Rental | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001991 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000658 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009726 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009727 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009725 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009724 | Single Property Rental | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002002 |  | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009848 |  | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000495 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000494 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000499 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000497 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000496 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000508 | Non-QM 30 Year Fixed I/O Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000509 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002117 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009838 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000478 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000493 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000481 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002115 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000479 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000482 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002116 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000477 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000547 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002113 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000476 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000546 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Asset Qualification | 1 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000548 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005447 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000543 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005448 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000541 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000540 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000538 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000542 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002114 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000537 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000536 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002111 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000534 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002109 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000530 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000533 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000531 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Documentation | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002110 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000532 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002108 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002107 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000535 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005442 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002106 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009844 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000520 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000521 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien | Permanent Resident-Alien |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000526 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002105 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000523 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000524 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005433 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000522 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002100 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000525 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000514 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000518 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000513 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000519 | Non-QM 30 Year Fixed I/O Bank Statement / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005435 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000507 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009842 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000510 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000504 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000503 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000506 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000491 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005421 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009834 | Non-QM 30 Year Fixed I/O Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005423 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002098 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005424 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000487 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000490 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002096 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000489 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000501 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident-Alien |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000500 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000485 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005425 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005426 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000484 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005427 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005445 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009840 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009839 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005439 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005434 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009837 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002093 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full Doc | 0 | 24 months or more income verification |  |  |  | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002091 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005432 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009835 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005443 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005437 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005436 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005449 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | XXXX | XXXX | U.S. Citizen | U.S. Citizen |  |  | XXXX | XXXX |  |  | Non-QM Verified | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005438 | Non-QM 30 Year Fixed DSCR E39 | DSCR | XXXX | 11 months or less income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009845 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | XXXX | 12 to 23 months income verification | XXXX | XXXX | XXXX | XXXX | XXXX | U.S. Citizen |  |  |  | XXXX |  |  |  | GQM Exempt - Business Purpose | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.69

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.69**

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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 1993223 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993224 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002074 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002080 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002078 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002076 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002073 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1885348 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1885340 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1947958 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1916098 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1947935 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1948050 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1947938 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1916059 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1916054 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996971 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1964246 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1947983 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1964185 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1947999 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007330 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993169 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993165 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1980279 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993168 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007339 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993174 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007328 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007342 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993176 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996979 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003885 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993162 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007326 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007325 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993154 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996985 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007311 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996970 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007323 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995051 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003884 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003884-01 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003884-02 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993153 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007308 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993147 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995050 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996986 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007296 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996969 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993144 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996966 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993143 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993145 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007293 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003879 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993140 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007295 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996964 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993136 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996965 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007292 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007291 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996972 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993139 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007281 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996977 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993135 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993138 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995044 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007274 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007277 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993129 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007365 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007364 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007364-01 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-02 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-03 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007364-04 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007363 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993132 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003875 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993130 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996976 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993126 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007360 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007359 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007357 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007358 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996974 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007355 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007356 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993127 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007353 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003873 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996973 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007350 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003871 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007349 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007348 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007345 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007344 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007343 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007337 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007335 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1993128 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007332 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007331 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007322 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007321 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007319 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007315 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007305 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007306 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007303 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007304 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007302 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007301 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007300 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007290 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2003872 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007285 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007284 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2007284-01 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284-02 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007284-03 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1693681 | Non-QM Non-Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1900208 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1925314 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1808531 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998360 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | No | No Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1996913 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1999233 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1914005 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1873760 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1914010 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1930420 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1944932 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1969256 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1939645 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995601 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1952331 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1968388 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1973955 | Non-QM Verified | N/A |  | XXXX | XXXX | Personal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1999234 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1999235 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995602 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1979074 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995603 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1968428 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1987123 | Non-QM Verified | N/A |  | XXXX | XXXX | Personal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998365 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1999236 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995611 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995614 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998361 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995613 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1989441 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995615 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1992338 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995616 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1998363 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1985201 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1998409 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998366 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995621 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1998375 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1998410 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1998376 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008682 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995631 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998411 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008684 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008683 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008685 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995629 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995627 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995635 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002052 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1998388 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008688 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995638 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002053 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995639 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2011734 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998396 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1995643 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1999239 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1995645 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008693 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002054 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002057 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002058 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1999241 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 1999232 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002056 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008721 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008697 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008722 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008698 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002060 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002071 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008696 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008695 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008723 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008701 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002061 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002063 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008702 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008705 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2008704 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002062 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002065 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002066 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008706 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008710 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002067 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002069 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008709 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002070 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998412 | Non-QM Verified | N/A |  | XXXX | XXXX | Personal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 1998407 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002068 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008714 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008713 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2008712 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000669 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009737 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000667 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000665 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009735 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000662 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2001992 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000659 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2001991 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000658 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009726 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009727 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009725 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009724 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002002 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009848 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000495 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000494 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000499 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000497 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000496 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000508 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000509 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002117 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009838 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000478 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000493 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000481 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002115 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000479 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000482 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002116 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000477 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000547 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002113 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000476 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000546 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000548 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005447 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000543 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005448 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000541 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000540 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000538 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000542 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002114 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000537 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000536 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002111 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000534 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002109 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000530 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000533 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000531 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002110 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000532 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002108 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002107 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000535 | Non-QM Verified | N/A |  | XXXX | XXXX | Personal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005442 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002106 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009844 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000520 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000521 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000526 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002105 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000523 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000524 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005433 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000522 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002100 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000525 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000514 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000518 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000513 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000519 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005435 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000507 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009842 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000510 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000504 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000503 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000506 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000491 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005421 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009834 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005423 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002098 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005424 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000487 | Non-QM Verified | N/A |  | XXXX | XXXX | Personal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000490 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002096 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2000489 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000501 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000500 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000485 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005425 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005426 | Non-QM Verified | N/A |  | XXXX | XXXX | Personal | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2000484 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005427 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005445 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009840 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009839 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005439 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005434 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009837 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2002093 | Non-QM Verified | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2002091 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005432 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2009835 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005443 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2005437 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005436 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005449 | Non-QM Verified | N/A |  | XXXX | XXXX | Business | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | No |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2005438 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2009845 | GQM Exempt - Business Purpose | N/A |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | Yes | Full Recourse | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |

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